ZONE 3

A Healthier You
STARTS NOW!
INDEX
About us .................................................................................... 1

Zone 3 (Rest of India excluding the locations mentioned under Zone 1 & Zone 2)
ProHealth Protect Plan
Individual .................................................................................... 3
Family Floater
1 Adult + 1 Kid .................................................................................... 6
1 Adult + 2 Kids .................................................................................... 7
1 Adult + 3 Kids .................................................................................... 8
2 Adults .................................................................................... 9
2 Adults + 1 Kid .................................................................................... 10
2 Adults + 2 Kids .................................................................................... 11
2 Adults + 3 Kids .................................................................................... 12

ProHealth Plus Plan

Individual .................................................................................... 14
Family Floater
1 Adult + 1 Kid .................................................................................... 17
1 Adult + 2 Kids .................................................................................... 18
1 Adult + 3 Kids .................................................................................... 19
2 Adults .................................................................................... 20
2 Adults + 1 Kid .................................................................................... 21
2 Adults + 2 Kids .................................................................................... 22
2 Adults + 3 Kids .................................................................................... 23

ProHealth Preferred & Premier Plans

Individual .................................................................................... 25
Family Floater
1 Adult + 1 Kid .................................................................................... 28
1 Adult + 2 Kids .................................................................................... 29
1 Adult + 3 Kids .................................................................................... 30
2 Adults .................................................................................... 31
2 Adults + 1 Kid .................................................................................... 32
2 Adults + 2 Kids .................................................................................... 33
2 Adults + 3 Kids .................................................................................... 34

Deductible Plans
ProHealth Protect Plan ............................................................... 36
Individual / 1 Adult + 1 Kid / 1 Adult + 2 Kids / 1 Adult + 3 Kids
2 Adults / 2 Adults + 1 Kid / 2 Adults + 2 Kids / 2 Adults + 3 Kids

ProHealth Plus Plan ............................................................... 38

Individual / 1 Adult + 1 Kid / 1 Adult + 2 Kids / 1 Adult + 3 Kids
2 Adults / 2 Adults + 1 Kid / 2 Adults + 2 Kids / 2 Adults + 3 Kids

Reduction in Maternity Waiting Period (Optional)

Individual / Family Floater (ProHealth Plus, Preferred & Premier Plan) 41
Individual / Family Floater (Plus Plan with Deductible) ......................... 41

Critical Illness Add on Cover

Individual .................................................................................... 42
Family Floater .................................................................................... 42

Useful Information
Discounts ............................................................................................ 44
Co-pay ............................................................................................ 44
Steps to calculate premium ................................................................... 47
 ABOUT US
When Cigna, a global health services major with over 200 years
of experience and more than 80 million customers, shakes
hands with the TTK Group, an organisation with an 85 year old
legacy and valuable expertise in healthcare, we get an
association that makes it just a little easier for the world to live a
richer, healthier life. Cigna TTK a name that can be trusted to fall
back on at all times. Especially when you need it the most.

NOTES
1. The ProHealth premium is including service tax and
excluding any discount or loading (if applicable).Wherever
discount or loading is applicable, the Service Tax element
(14%) must be excluded before applying the discount
and/or loading. Arrived premium after applying the
discount/loading to be added with Service Tax to calculate
the final premium.
2. For premium calculation, age of eldest member would be
considered, in case of floater.
3. For floater, at least 1 member of age 18 years or above is
mandatory.
4. Polices with term of 2 year, discount of 7.5% will be
applicable on total premium.
5. Any revision in the above rates shall be made only post
approval by the IRDA.

1
 Protect Plan
Zone 3 (Rest of India excluding
the locations mentioned under
Zone 1 & Zone 2)

Note - All Premiums are with Service Tax

 INDIVIDUAL
Protect-2,50,000 Protect-3,50,000 Protect-4,50,000
Age
Male Female Male Female Male Female
<1 2,804 2,405 3,089 2,622 3,386 2,827
1 2,827 2,428 3,124 2,645 3,420 2,861
2 2,850 2,451 3,158 2,679 3,454 2,896
3 2,884 2,485 3,181 2,702 3,488 2,918
4 2,907 2,508 3,215 2,736 3,523 2,953
5 2,941 2,531 3,249 2,759 3,557 2,987
6 2,964 2,554 3,283 2,793 3,591 3,021
7 2,998 2,588 3,317 2,827 3,625 3,055
8 3,021 2,611 3,340 2,850 3,659 3,089
9 3,055 2,645 3,374 2,884 3,694 3,124
10 3,078 2,668 3,409 2,918 3,728 3,158
11 3,112 2,702 3,443 2,953 3,762 3,192
12 3,135 2,725 3,477 2,987 3,796 3,226
13 3,169 2,759 3,511 3,021 3,830 3,260
14 3,203 2,782 3,545 3,044 3,876 3,295
15 3,226 2,816 3,580 3,078 3,910 3,329
16 3,260 2,839 3,614 3,112 3,944 3,363
17 3,295 2,873 3,648 3,146 3,979 3,409
18 3,329 2,907 3,682 3,181 4,024 3,443
19 3,352 2,941 3,716 3,226 4,058 3,477
20 3,409 2,987 3,785 3,272 4,127 3,545
21 3,466 3,032 3,842 3,329 4,184 3,602
22 3,511 3,089 3,899 3,386 4,252 3,659
23 3,568 3,135 3,956 3,454 4,309 3,728
24 3,625 3,192 4,024 3,511 4,378 3,785
25 3,682 3,249 4,081 3,568 4,446 3,853
26 3,739 3,306 4,150 3,625 4,514 3,922

3
INDIVIDUAL
Protect-2,50,000 Protect-3,50,000 Protect-4,50,000
Age
Male Female Male Female Male Female
27 3,796 3,352 4,207 3,694 4,583 3,979
28 3,853 3,409 4,275 3,751 4,651 4,047
29 3,910 3,466 4,343 3,808 4,720 4,104
30 3,967 3,511 4,400 3,865 4,788 4,172
31 4,024 3,568 4,469 3,933 4,868 4,241
32 4,093 3,625 4,537 3,990 4,936 4,309
33 4,150 3,682 4,606 4,058 5,005 4,378
34 4,207 3,739 4,674 4,127 5,084 4,446
35 4,275 3,796 4,754 4,184 5,164 4,514
36 4,366 3,887 4,856 4,275 5,267 4,617
37 4,492 3,990 4,993 4,400 5,426 4,754
38 4,640 4,127 5,176 4,560 5,620 4,925
39 4,845 4,298 5,392 4,754 5,871 5,130
40 5,073 4,503 5,746 5,062 6,464 5,654
41 5,335 4,731 6,053 5,324 6,829 5,974
42 5,609 4,959 6,395 5,620 7,216 6,316
43 5,894 5,210 6,749 5,939 7,627 6,680
44 6,202 5,483 7,136 6,270 8,083 7,068
45 6,532 5,768 7,547 6,635 8,561 7,490
46 6,874 6,076 7,991 7,022 9,074 7,934
47 7,250 6,395 8,470 7,433 9,622 8,425
48 7,649 6,749 8,972 7,889 10,214 8,938
49 8,071 7,114 9,519 8,368 10,841 9,496
50 8,504 7,501 10,089 8,869 11,503 10,078
51 8,972 7,912 10,670 9,382 12,187 10,670
52 9,473 8,356 11,286 9,918 12,905 11,309
53 10,009 8,824 11,947 10,511 13,680 11,993

4
 INDIVIDUAL
Protect-2,50,000 Protect-3,50,000 Protect-4,50,000
Age
Male Female Male Female Male Female
54 10,579 9,325 12,654 11,126 14,501 12,722
55 11,195 9,861 13,406 11,799 15,390 13,498
56 11,845 10,442 14,216 12,506 16,325 14,341
57 12,540 11,047 15,071 13,270 17,328 15,230
58 13,281 11,708 15,994 14,090 18,400 16,177
59 14,068 12,415 16,975 14,957 19,551 17,203
60 14,911 13,156 18,012 15,892 20,771 18,286
61 15,937 14,079 19,300 17,032 22,264 19,619
62 17,054 15,071 20,680 18,263 23,872 21,056
63 18,251 16,131 22,162 19,585 25,604 22,606
64 19,540 17,282 23,758 21,022 27,474 24,271
65 18,035 15,994 21,911 19,426 25,319 22,412
66 19,312 17,134 23,484 20,839 27,155 24,065
67 20,509 18,206 24,966 22,173 28,888 25,627
68 21,774 19,346 26,539 23,598 30,734 27,292
69 23,131 20,577 28,226 25,114 32,695 29,070
70 24,578 21,877 30,028 26,744 34,804 30,974
71 26,129 23,279 31,943 28,477 37,039 33,003
72 27,520 24,544 33,676 30,062 39,068 34,850
73 29,002 25,889 35,522 31,738 41,222 36,811
74 30,563 27,314 37,460 33,516 43,491 38,885
75 32,216 28,819 39,512 35,397 45,885 41,074
76 33,345 29,868 40,915 36,697 47,527 42,602
77 34,508 30,951 42,374 38,053 49,225 44,186
78 35,716 32,068 43,879 39,455 50,981 45,828
79 36,970 33,242 45,429 40,915 52,805 47,527
80+ 38,258 34,451 47,048 42,419 54,697 49,294

5
FLOATER-1 ADULT+1 KID
PROTECT PROTECT
Age 2,50,000 3,50,000 4,50,000 Age 2,50,000 3,50,000 4,50,000
18 4,731 5,290 5,803 50 9,143 10,693 12,107
19 4,765 5,324 5,848 51 9,530 11,172 12,654
20 4,822 5,392 5,917 52 9,929 11,674 13,235
21 4,856 5,449 5,985 53 10,363 12,209 13,851
22 4,902 5,495 6,053 54 10,830 12,768 14,512
23 4,948 5,540 6,110 55 11,275 13,338 15,173
24 4,982 5,586 6,156 56 11,765 13,931 15,869
25 5,050 5,654 6,236 57 12,278 14,581 16,621
26 5,096 5,700 6,281 58 12,825 15,253 17,408
27 5,130 5,757 6,327 59 13,418 15,983 18,263
28 5,176 5,803 6,384 60 14,033 16,747 19,163
29 5,221 5,848 6,430 61 14,797 17,693 20,269
30 5,267 5,894 6,487 62 15,618 18,707 21,455
31 5,335 5,974 6,566 63 16,496 19,802 22,732
32 5,381 6,019 6,612 64 17,442 20,976 24,100
33 5,426 6,076 6,669 65 16,279 19,540 22,412
34 5,472 6,122 6,726 66 17,203 20,691 23,758
35 5,540 6,202 6,806 67 18,069 21,763 25,012
36 5,620 6,293 6,908 68 18,981 22,903 26,345
37 5,746 6,430 7,057 69 19,961 24,111 27,759
38 5,882 6,589 7,228 70 20,999 25,399 29,264
39 6,065 6,794 7,456 71 22,105 26,767 30,871
40 6,270 7,091 7,946 72 23,096 28,010 32,308
41 6,487 7,364 8,254 73 24,145 29,309 33,835
42 6,726 7,649 8,584 74 25,240 30,677 35,431
43 6,977 7,957 8,938 75 26,402 32,114 37,118
44 7,228 8,276 9,314 76 27,235 33,151 38,327
45 7,513 8,630 9,713 77 28,090 34,223 39,581
46 7,798 8,995 10,135 78 28,979 35,329 40,880
47 8,105 9,382 10,579 79 29,902 36,480 42,214
48 8,436 9,793 11,058 80+ 30,860 37,677 43,605
49 8,778 10,237 11,571

6
 FLOATER-1 ADULT+2 KIDS
PROTECT PROTECT
Age 2,50,000 3,50,000 4,50,000 Age 2,50,000 3,50,000 4,50,000
18 6,281 7,091 7,866 50 10,876 12,665 14,284
19 6,304 7,114 7,889 51 11,263 13,144 14,843
20 6,350 7,159 7,934 52 11,674 13,646 15,413
21 6,384 7,193 7,969 53 12,050 14,125 15,971
22 6,418 7,228 8,014 54 12,460 14,615 16,553
23 6,452 7,273 8,048 55 12,893 15,151 17,168
24 6,487 7,307 8,094 56 13,349 15,721 17,830
25 6,566 7,399 8,185 57 13,828 16,325 18,536
26 6,612 7,444 8,231 58 14,353 16,963 19,289
27 6,646 7,490 8,288 59 14,900 17,636 20,075
28 6,692 7,535 8,333 60 15,481 18,354 20,919
29 6,737 7,581 8,379 61 16,188 19,243 21,956
30 6,783 7,627 8,436 62 16,963 20,201 23,062
31 6,863 7,729 8,527 63 17,784 21,215 24,259
32 6,908 7,775 8,584 64 18,662 22,310 25,536
33 6,954 7,820 8,630 65 17,522 20,908 23,894
34 7,000 7,866 8,687 66 18,388 21,979 25,148
35 7,079 7,969 8,789 67 19,186 22,960 26,300
36 7,193 8,083 8,915 68 20,030 24,020 27,531
37 7,319 8,242 9,086 69 20,930 25,126 28,831
38 7,478 8,425 9,280 70 21,888 26,311 30,221
39 7,672 8,641 9,519 71 22,891 27,577 31,681
40 7,900 8,949 10,021 72 23,792 28,694 32,992
41 8,128 9,234 10,351 73 24,749 29,868 34,371
42 8,379 9,542 10,693 74 25,741 31,111 35,819
43 8,641 9,861 11,058 75 26,790 32,410 37,346
44 8,915 10,192 11,446 76 27,565 33,379 38,475
45 9,200 10,545 11,856 77 28,363 34,382 39,649
46 9,496 10,921 12,289 78 29,195 35,420 40,858
47 9,815 11,320 12,745 79 30,062 36,491 42,112
48 10,146 11,742 13,224 80+ 30,951 37,609 43,411
49 10,511 12,198 13,748

7
FLOATER-1 ADULT+3 KIDS
PROTECT PROTECT
Age 2,50,000 3,50,000 4,50,000 Age 2,50,000 3,50,000 4,50,000
18 7,706 8,710 9,679 50 12,677 14,717 16,564
19 7,752 8,755 9,724 51 13,007 15,128 17,043
20 7,809 8,824 9,781 52 13,361 15,572 17,556
21 7,855 8,869 9,838 53 13,737 16,040 18,103
22 7,900 8,926 9,884 54 14,136 16,530 18,685
23 7,957 8,983 9,952 55 14,569 17,066 19,300
24 8,003 9,029 9,998 56 15,025 17,624 19,961
25 8,083 9,120 10,100 57 15,504 18,217 20,657
26 8,128 9,188 10,157 58 16,017 18,856 21,398
27 8,185 9,245 10,226 59 16,564 19,540 22,196
28 8,254 9,302 10,306 60 17,146 20,258 23,028
29 8,311 9,382 10,374 61 17,864 21,136 24,065
30 8,390 9,462 10,454 62 18,628 22,093 25,171
31 8,459 9,553 10,579 63 19,448 23,108 26,368
32 8,504 9,599 10,636 64 20,326 24,202 27,645
33 8,550 9,644 10,682 65 19,220 22,834 26,049
34 8,653 9,770 10,807 66 20,087 23,906 27,303
35 8,778 9,907 10,933 67 20,885 24,909 28,466
36 8,926 10,055 11,092 68 21,740 25,958 29,697
37 9,074 10,237 11,275 69 22,640 27,086 31,019
38 9,245 10,431 11,480 70 23,609 28,283 32,410
39 9,473 10,682 11,765 71 24,635 29,560 33,904
40 9,747 11,035 12,312 72 25,547 30,700 35,226
41 10,043 11,411 12,722 73 26,516 31,897 36,628
42 10,351 11,810 13,167 74 27,531 33,151 38,110
43 10,636 12,164 13,646 75 28,603 34,485 39,661
44 10,944 12,540 14,068 76 29,378 35,454 40,789
45 11,263 12,939 14,524 77 30,176 36,457 41,963
46 11,605 13,361 15,014 78 31,008 37,495 43,172
47 11,959 13,805 15,515 79 31,874 38,566 44,426
48 12,312 14,261 16,028 80+ 32,764 39,672 45,725
49 13,463 15,721 17,818

8
 FLOATER-2 ADULTS
PROTECT PROTECT
Age 2,50,000 3,50,000 4,50,000 Age 2,50,000 3,50,000 4,50,000
18 4,822 5,392 5,917 50 10,967 12,996 14,843
19 4,868 5,438 5,974 51 11,548 13,714 15,686
20 4,925 5,506 6,042 52 12,164 14,501 16,598
21 4,993 5,575 6,110 53 12,814 15,322 17,567
22 5,050 5,643 6,190 54 13,509 16,188 18,571
23 5,119 5,723 6,270 55 14,250 17,100 19,642
24 5,187 5,803 6,350 56 15,037 18,080 20,782
25 5,255 5,882 6,430 57 15,869 19,118 21,991
26 5,324 5,951 6,521 58 16,758 20,212 23,279
27 5,404 6,031 6,601 59 17,704 21,386 24,647
28 5,472 6,110 6,680 60 18,707 22,629 26,095
29 5,540 6,190 6,772 61 19,870 24,077 27,782
30 5,609 6,270 6,851 62 21,113 25,616 29,583
31 5,677 6,350 6,931 63 22,435 27,257 31,510
32 5,757 6,430 7,022 64 23,940 29,127 33,687
33 5,825 6,509 7,102 65 23,484 28,568 33,037
34 5,894 6,589 7,182 66 25,057 30,529 35,329
35 5,962 6,669 7,273 67 26,630 32,479 37,597
36 6,065 6,772 7,387 68 27,383 33,419 38,697
37 6,179 6,908 7,535 69 28,135 34,360 39,797
38 6,327 7,079 7,718 70 29,788 36,400 42,191
39 6,532 7,307 7,969 71 31,532 38,578 44,734
40 6,783 7,649 8,516 72 33,220 40,687 47,196
41 7,057 7,991 8,903 73 35,009 42,898 49,784
42 7,387 8,379 9,348 74 36,890 45,247 52,520
43 7,741 8,869 10,055 75 38,726 47,538 55,199
44 8,128 9,348 10,613 76 40,345 49,556 57,559
45 8,539 9,861 11,218 77 42,043 51,665 60,021
46 8,960 10,408 11,845 78 43,810 53,865 62,597
47 9,428 11,001 12,529 79 45,372 55,814 64,877
48 9,907 11,617 13,247 80+ 46,991 57,844 67,249
49 10,431 12,289 14,022

9
FLOATER-2 ADULTS+1 KID
PROTECT PROTECT
Age 2,50,000 3,50,000 4,50,000 Age 2,50,000 3,50,000 4,50,000
18 6,498 7,330 8,105 50 12,551 14,774 16,804
19 6,532 7,376 8,162 51 13,121 15,481 17,636
20 6,601 7,433 8,231 52 13,703 16,222 18,491
21 6,646 7,490 8,276 53 14,330 17,009 19,403
22 6,692 7,535 8,333 54 14,991 17,830 20,360
23 6,749 7,592 8,390 55 15,675 18,673 21,352
24 6,783 7,649 8,447 56 16,405 19,574 22,401
25 6,851 7,718 8,516 57 17,168 20,531 23,518
26 6,908 7,775 8,584 58 17,989 21,557 24,715
27 6,965 7,843 8,653 59 18,867 22,629 25,969
28 7,022 7,900 8,721 60 19,790 23,780 27,314
29 7,091 7,980 8,801 61 20,862 25,103 28,865
30 7,159 8,060 8,881 62 22,002 26,528 30,518
31 7,250 8,151 8,983 63 23,222 28,044 32,296
32 7,319 8,231 9,063 64 24,670 29,834 34,394
33 7,387 8,299 9,143 65 24,282 29,366 33,847
34 7,456 8,379 9,223 66 25,810 31,259 36,047
35 7,535 8,482 9,325 67 27,383 33,208 38,338
36 7,649 8,607 9,462 68 28,169 34,006 39,125
37 7,786 8,755 9,622 69 29,047 35,283 40,755
38 7,946 8,938 9,815 70 30,734 37,392 43,217
39 8,151 9,177 10,078 71 32,547 39,638 45,839
40 8,402 9,519 10,613 72 34,303 41,827 48,393
41 8,698 9,861 11,012 73 36,172 44,152 51,118
42 9,017 10,260 11,446 74 38,167 46,626 54,002
43 9,382 10,739 12,141 75 40,128 49,066 56,852
44 9,758 11,218 12,688 76 41,781 51,129 59,280
45 10,169 11,719 13,270 77 43,525 53,306 61,811
46 10,591 12,255 13,897 78 45,349 55,575 64,467
47 11,047 12,836 14,558 79 46,888 57,502 66,713
48 11,525 13,441 15,265 80+ 48,484 59,497 69,038
49 12,027 14,090 16,017

10
 FLOATER-2 ADULTS+2 KIDS
PROTECT PROTECT
Age 2,50,000 3,50,000 4,50,000 Age 2,50,000 3,50,000 4,50,000
18 7,866 8,892 9,872 50 14,284 16,735 18,981
19 7,912 8,938 9,918 51 14,820 17,419 19,779
20 7,969 9,006 9,986 52 15,390 18,137 20,623
21 8,014 9,052 10,043 53 15,994 18,913 21,512
22 8,060 9,109 10,089 54 16,644 19,711 22,447
23 8,117 9,166 10,157 55 17,328 20,554 23,438
24 8,162 9,211 10,203 56 18,046 21,455 24,487
25 8,242 9,302 10,306 57 18,821 22,412 25,604
26 8,299 9,371 10,363 58 19,642 23,427 26,790
27 8,356 9,439 10,431 59 20,509 24,510 28,055
28 8,425 9,496 10,511 60 21,432 25,650 29,389
29 8,493 9,576 10,591 61 22,504 26,984 30,940
30 8,561 9,656 10,670 62 23,644 28,397 32,604
31 8,664 9,770 10,796 63 24,863 29,914 34,371
32 8,732 9,850 10,876 64 26,311 31,703 36,469
33 8,801 9,918 10,955 65 25,924 31,236 35,921
34 8,869 9,998 11,035 66 27,451 33,128 38,122
35 8,972 10,123 11,161 67 29,024 35,078 40,402
36 9,109 10,260 11,320 68 30,039 36,092 41,416
37 9,257 10,442 11,503 69 30,677 37,141 42,818
38 9,439 10,648 11,719 70 32,365 39,239 45,269
39 9,667 10,898 12,004 71 34,166 41,485 47,891
40 9,941 11,263 12,563 72 35,921 43,662 50,445
41 10,249 11,639 12,985 73 37,791 45,988 53,158
42 10,591 12,050 13,441 74 39,775 48,450 56,031
43 10,967 12,551 14,159 75 41,735 50,890 58,881
44 11,366 13,042 14,729 76 43,388 52,953 61,298
45 11,788 13,577 15,333 77 45,121 55,119 63,829
46 12,232 14,136 15,983 78 46,945 57,388 66,473
47 12,711 14,729 16,667 79 48,484 59,303 68,719
48 13,201 15,356 17,396 80+ 50,080 61,286 71,045
49 13,737 16,040 18,183

11
FLOATER-2 ADULTS+3 KIDS
PROTECT PROTECT
Age 2,50,000 3,50,000 4,50,000 Age 2,50,000 3,50,000 4,50,000
18 9,633 10,921 12,164 50 16,382 19,141 21,660
19 9,667 10,967 12,209 51 16,918 19,813 22,458
20 9,724 11,035 12,278 52 17,488 20,543 23,290
21 9,770 11,081 12,335 53 18,092 21,307 24,191
22 9,827 11,138 12,380 54 18,730 22,105 25,114
23 9,872 11,195 12,449 55 19,414 22,948 26,106
24 9,918 11,240 12,494 56 20,144 23,849 27,155
25 10,021 11,354 12,620 57 20,908 24,806 28,272
26 10,078 11,423 12,688 58 21,728 25,821 29,458
27 10,135 11,480 12,757 59 22,595 26,893 30,723
28 10,203 11,548 12,825 60 23,518 28,044 32,057
29 10,271 11,628 12,905 61 24,590 29,366 33,607
30 10,340 11,708 12,985 62 25,730 30,791 35,272
31 10,465 11,845 13,133 63 26,950 32,308 37,039
32 10,534 11,924 13,213 64 28,397 34,097 39,125
33 10,602 11,993 13,292 65 28,010 33,630 38,589
34 10,670 12,073 13,372 66 29,537 35,511 40,789
35 10,796 12,209 13,520 67 31,099 37,460 43,058
36 10,944 12,380 13,703 68 32,114 38,475 44,072
37 11,115 12,574 13,908 69 32,752 39,524 45,475
38 11,320 12,802 14,159 70 34,439 41,610 47,914
39 11,560 13,076 14,455 71 36,241 43,844 50,525
40 11,856 13,475 15,037 72 37,985 46,033 53,078
41 12,175 13,862 15,470 73 39,854 48,347 55,780
42 12,540 14,284 15,960 74 41,827 50,798 58,653
43 12,939 14,809 16,690 75 43,787 53,238 61,492
44 13,361 15,333 17,282 76 45,440 55,290 63,897
45 13,794 15,880 17,921 77 47,162 57,456 66,428
46 14,261 16,462 18,582 78 48,986 59,713 69,073
47 14,763 17,089 19,300 79 50,513 61,628 71,307
48 15,276 17,727 20,041 80+ 52,109 63,612 73,621
49 15,823 18,422 20,839

12
 Plus Plan
Zone 3 (Rest of India excluding
the locations mentioned under
Zone 1 & Zone 2)

Note - All Premiums are with Service Tax

INDIVIDUAL
Age Plus-4,50,000 Plus-5,50,000 Plus-7,50,000 Plus-10,00,000
Male Female Male Female Male Female Male Female
<1 5,050 4,457 5,210 4,583 5,803 5,016 6,224 5,312
1 5,084 4,492 5,255 4,617 5,848 5,062 6,270 5,369
2 5,119 4,526 5,290 4,651 5,894 5,096 6,327 5,415
3 5,153 4,560 5,324 4,685 5,939 5,141 6,384 5,472
4 5,198 4,594 5,358 4,720 5,985 5,187 6,430 5,518
5 5,233 4,628 5,404 4,754 6,042 5,233 6,487 5,575
6 5,267 4,663 5,438 4,799 6,088 5,278 6,544 5,620
7 5,301 4,697 5,483 4,834 6,133 5,324 6,601 5,677
8 5,347 4,731 5,518 4,868 6,179 5,369 6,658 5,734
9 5,381 4,777 5,552 4,913 6,236 5,426 6,703 5,780
10 5,415 4,811 5,597 4,948 6,281 5,472 6,760 5,837
11 5,449 4,845 5,632 4,982 6,327 5,518 6,817 5,894
12 5,495 4,879 5,677 5,027 6,384 5,563 6,886 5,951
13 5,529 4,925 5,723 5,062 6,430 5,620 6,943 6,008
14 5,575 4,959 5,757 5,107 6,487 5,666 7,000 6,065
15 5,609 5,005 5,803 5,153 6,532 5,723 7,057 6,122
16 5,654 5,039 5,848 5,187 6,589 5,768 7,114 6,179
17 5,689 5,084 5,882 5,233 6,646 5,825 7,182 6,247
18 5,734 6,167 5,928 6,327 6,692 6,920 7,239 7,353
19 5,780 6,236 5,974 6,384 6,749 7,000 7,296 7,433
20 5,871 6,338 6,065 6,498 6,863 7,125 7,421 7,570
21 5,962 6,464 6,167 6,623 6,977 7,273 7,547 7,718
22 6,065 6,589 6,270 6,749 7,091 7,410 7,684 7,866
23 6,167 6,715 6,384 6,874 7,216 7,547 7,809 8,026
24 6,270 6,829 6,487 7,000 7,342 7,695 7,946 8,174
25 6,407 6,988 6,623 7,159 7,490 7,866 8,105 8,356
26 6,509 7,114 6,726 7,296 7,615 8,003 8,242 8,516

14
 INDIVIDUAL
Age Plus-4,50,000 Plus-5,50,000 Plus-7,50,000 Plus-10,00,000
Male Female Male Female Male Female Male Female
27 6,612 7,239 6,840 7,421 7,741 8,151 8,379 8,664
28 6,715 7,364 6,943 7,547 7,866 8,288 8,516 8,812
29 6,829 7,490 7,057 7,672 7,991 8,436 8,653 8,972
30 6,965 7,638 7,193 7,832 8,151 8,607 8,824 9,154
31 7,102 7,798 7,342 7,991 8,299 8,778 8,995 9,337
32 7,239 7,957 7,478 8,151 8,459 8,960 9,166 9,530
33 7,376 8,105 7,627 8,311 8,630 9,131 9,337 9,713
34 7,513 8,265 7,763 8,470 8,960 9,496 9,701 10,100
35 7,661 8,425 7,912 8,630 9,131 9,679 9,884 10,294
36 7,843 8,618 8,105 8,835 9,348 9,907 10,123 10,545
37 8,071 8,846 8,333 9,074 9,633 10,180 10,431 10,853
38 8,345 9,120 8,618 9,348 10,078 10,613 10,921 11,320
39 8,835 9,622 9,143 9,872 10,693 11,229 11,617 11,981
40 9,565 10,328 9,907 10,602 11,628 12,118 12,654 12,973
41 10,226 10,727 10,591 11,024 12,460 12,654 13,589 13,600
42 10,933 11,161 11,320 11,480 13,361 13,247 14,592 14,273
43 11,685 11,617 12,118 11,981 14,330 13,885 15,664 15,014
44 12,494 12,130 12,962 12,517 15,367 14,581 16,826 15,812
45 13,372 12,688 13,874 13,110 16,211 15,082 18,080 16,690
46 14,182 12,814 14,729 13,270 17,100 15,276 19,437 17,282
47 14,923 13,475 15,515 13,965 18,058 16,120 20,725 18,411
48 15,721 14,170 16,348 14,695 19,072 17,020 21,934 19,483
49 16,564 14,923 17,237 15,493 20,167 17,978 23,222 20,611
50 17,419 15,675 18,137 16,279 21,272 18,958 24,533 21,774
51 18,331 16,484 19,095 17,134 22,469 20,018 25,958 23,028
52 19,312 17,351 20,132 18,046 23,746 21,147 27,474 24,373
53 20,360 18,274 21,238 19,015 25,126 22,355 29,104 25,821

15
INDIVIDUAL
Age Plus-4,50,000 Plus-5,50,000 Plus-7,50,000 Plus-10,00,000
Male Female Male Female Male Female Male Female
54 21,478 19,277 22,412 20,075 26,596 23,666 30,848 27,360
55 22,686 20,349 23,689 21,193 28,169 25,069 32,729 29,036
56 23,974 21,500 25,046 22,412 29,857 26,573 34,736 30,826
57 25,354 22,732 26,505 23,712 31,669 28,192 36,890 32,741
58 26,847 24,054 28,067 25,103 33,619 29,925 39,205 34,804
59 28,432 25,479 29,754 26,608 35,705 31,795 41,690 37,027
60 30,142 27,018 31,544 28,226 37,939 33,801 44,346 39,421
61 32,080 28,751 33,596 30,050 40,493 36,070 47,378 42,123
62 34,166 30,609 35,796 32,011 43,229 38,521 50,650 45,030
63 36,412 32,627 38,167 34,132 46,181 41,154 54,161 48,176
64 38,840 34,793 40,721 36,412 49,362 44,004 57,946 51,562
65 36,161 32,479 37,882 33,972 45,805 40,926 53,694 47,891
66 38,543 34,622 40,402 36,229 48,940 43,753 57,422 51,243
67 40,789 36,651 42,773 38,361 51,881 46,409 60,933 54,412
68 43,183 38,806 45,292 40,641 55,028 49,237 64,672 57,787
69 45,725 41,120 47,983 43,069 58,368 52,269 68,651 61,400
70 48,439 43,582 50,833 45,668 61,936 55,495 72,892 65,242
71 51,311 46,204 53,876 48,427 65,721 58,949 77,406 69,346
72 53,945 48,598 56,635 50,958 69,175 62,096 81,510 73,097
73 56,704 51,140 59,554 53,626 72,812 65,425 85,853 77,064
74 59,633 53,819 62,643 56,453 76,654 68,947 90,425 81,259
75 62,723 56,658 65,892 59,440 80,712 72,675 95,270 85,694
76 64,855 58,642 68,138 61,537 83,505 75,286 98,599 88,795
77 67,055 60,705 70,463 63,703 86,401 77,987 102,041 92,009
78 69,301 62,803 72,835 65,915 89,365 80,746 105,575 95,315
79 71,638 64,991 75,286 68,206 92,431 83,619 109,235 98,735
80+ 74,043 67,249 77,828 70,589 95,612 86,594 113,020 102,281

16
 FLOATER-1 ADULT+1 KID
PLUS PLUS
Age 4,50,000 5,50,000 7,50,000 10,00,000 Age 4,50,000 5,50,000 7,50,000 10,00,000
18 7,843 8,151 9,325 10,180 50 18,388 19,118 22,207 25,490
19 7,900 8,208 9,405 10,260 51 19,141 19,904 23,188 26,642
20 8,003 8,311 9,519 10,385 52 19,939 20,748 24,214 27,862
21 8,151 8,482 9,701 10,579 53 20,737 21,592 25,251 29,081
22 8,242 8,561 9,804 10,682 54 21,603 22,492 26,357 30,392
23 8,322 8,653 9,895 10,796 55 22,515 23,450 27,542 31,795
24 8,413 8,744 9,998 10,898 56 23,484 24,476 28,808 33,288
25 8,584 8,915 10,192 11,104 57 24,533 25,570 30,153 34,884
26 8,664 9,006 10,283 11,206 58 25,639 26,744 31,589 36,583
27 8,755 9,097 10,397 11,320 59 26,824 27,987 33,128 38,407
28 8,846 9,188 10,499 11,434 60 28,090 29,309 34,770 40,345
29 8,938 9,280 10,602 11,548 61 29,515 30,826 36,628 42,556
30 9,086 9,428 10,762 11,719 62 31,042 32,433 38,623 44,927
31 9,257 9,610 10,967 11,936 63 32,684 34,166 40,766 47,458
32 9,405 9,758 11,126 12,107 64 34,451 36,013 43,058 50,183
33 9,565 9,918 11,286 12,278 65 32,501 33,949 40,447 47,059
34 9,713 10,066 11,457 12,460 66 34,223 35,762 42,704 49,727
35 9,884 10,249 11,662 12,677 67 35,842 37,460 44,802 52,223
36 10,100 10,465 11,902 12,939 68 37,552 39,273 47,036 54,880
37 10,351 10,716 12,198 13,258 69 39,376 41,188 49,408 57,695
38 10,636 11,012 12,540 13,634 70 41,279 43,195 51,904 60,659
39 10,955 11,354 12,939 14,079 71 43,309 45,326 54,560 63,806
40 11,457 11,879 13,794 15,025 72 45,144 47,253 56,943 66,644
41 11,970 12,403 14,592 15,914 73 47,059 49,282 59,462 69,643
42 12,654 13,121 15,447 16,861 74 49,088 51,414 62,107 72,789
43 13,372 13,874 16,359 17,864 75 51,220 53,660 64,889 76,095
44 14,136 14,672 17,317 18,935 76 52,771 55,290 66,907 78,489
45 14,957 15,527 18,035 20,075 77 54,367 56,966 69,004 80,974
46 15,686 16,279 18,787 21,284 78 55,963 58,653 71,102 83,471
47 16,313 16,940 19,574 22,401 79 57,616 60,386 73,268 86,070
48 16,986 17,647 20,417 23,381 80+ 59,326 62,187 75,525 88,749
49 17,681 18,377 21,318 24,430

17
FLOATER-1 ADULT+2 KIDS
PLUS PLUS
Age 4,50,000 5,50,000 7,50,000 10,00,000 Age 4,50,000 5,50,000 7,50,000 10,00,000
18 10,340 10,773 12,426 13,612 50 22,367 23,074 27,018 29,845
19 10,374 10,796 12,460 13,657 51 23,324 24,077 28,238 31,225
20 10,431 10,864 12,540 13,737 52 24,362 25,137 29,549 32,695
21 10,499 10,944 12,620 13,828 53 25,445 26,277 30,837 34,280
22 10,579 11,024 12,711 13,919 54 26,311 27,314 31,931 35,956
23 10,670 11,104 12,814 14,033 55 27,212 28,272 33,094 37,734
24 10,750 11,195 12,905 14,136 56 28,181 29,275 34,325 39,581
25 10,978 11,423 13,156 14,398 57 29,207 30,358 35,636 41,131
26 11,058 11,514 13,258 14,512 58 30,290 31,498 37,039 42,773
27 11,149 11,594 13,349 14,615 59 31,453 32,718 38,532 44,540
28 11,229 11,685 13,452 14,729 60 32,684 34,006 40,117 46,409
29 11,320 11,776 13,555 14,831 61 34,075 35,465 41,906 48,530
30 11,491 11,947 13,737 15,025 62 35,557 37,027 43,822 50,787
31 11,719 12,175 13,999 15,299 63 37,130 38,692 45,874 53,215
32 11,890 12,358 14,182 15,493 64 38,817 40,459 48,051 55,803
33 12,073 12,529 14,375 15,686 65 36,970 38,498 45,566 52,816
34 12,244 12,711 14,558 15,892 66 38,635 40,242 47,709 55,347
35 12,472 12,939 14,820 16,165 67 40,174 41,861 49,704 57,707
36 12,734 13,213 15,116 16,496 68 41,804 43,582 51,813 60,203
37 13,030 13,520 15,470 16,872 69 43,537 45,395 54,047 62,848
38 13,361 13,862 15,869 17,305 70 45,326 47,276 56,384 65,607
39 13,737 14,250 16,325 17,807 71 47,219 49,271 58,847 68,537
40 14,284 14,820 17,282 18,867 72 48,929 51,061 61,058 71,159
41 14,854 15,413 18,194 19,882 73 50,707 52,942 63,384 73,918
42 15,641 16,234 19,175 20,953 74 52,588 54,914 65,824 76,813
43 16,473 17,089 20,201 22,093 75 54,549 56,977 68,377 79,846
44 17,339 18,001 21,284 23,290 76 56,031 58,539 70,304 82,126
45 18,251 18,947 22,036 24,556 77 57,570 60,158 72,299 84,485
46 19,061 19,790 22,846 25,901 78 59,063 61,731 74,260 86,822
47 19,733 20,497 23,678 27,098 79 60,614 63,361 76,300 89,251
48 20,440 21,227 24,567 28,135 80+ 62,210 65,048 78,398 91,759
49 22,401 23,222 26,961 30,905

18
 FLOATER-1 ADULT+3 KIDS
PLUS PLUS
Age 4,50,000 5,50,000 7,50,000 10,00,000 Age 4,50,000 5,50,000 7,50,000 10,00,000
18 12,494 13,019 15,105 16,587 50 26,596 27,428 32,080 35,408
19 12,551 13,076 15,173 16,667 51 27,611 28,454 33,334 36,811
20 12,620 13,144 15,265 16,781 52 28,420 29,492 34,337 38,315
21 12,825 13,384 15,515 17,054 53 29,264 30,370 35,397 39,934
22 12,905 13,475 15,618 17,157 54 30,153 31,304 36,514 41,633
23 12,996 13,555 15,709 17,260 55 31,088 32,285 37,711 43,388
24 13,076 13,646 15,812 17,362 56 32,091 33,334 38,977 44,870
25 13,349 13,931 16,120 17,704 57 33,151 34,439 40,322 46,455
26 13,441 14,011 16,222 17,807 58 34,268 35,625 41,758 48,142
27 13,532 14,102 16,325 17,909 59 35,465 36,868 43,274 49,932
28 13,612 14,193 16,427 18,023 60 36,742 38,201 44,905 51,847
29 13,703 14,284 16,519 18,137 61 38,167 39,706 46,729 54,002
30 13,908 14,489 16,735 18,354 62 39,695 41,302 48,689 56,305
31 14,182 14,774 17,054 18,696 63 41,314 43,012 50,776 58,778
32 14,387 14,980 17,271 18,924 64 43,046 44,825 53,010 61,412
33 14,592 15,185 17,488 19,152 65 41,291 42,955 50,627 58,539
34 14,797 15,390 17,716 19,380 66 43,001 44,745 52,828 61,138
35 15,082 15,686 18,035 19,722 67 44,597 46,421 54,868 63,555
36 15,390 16,006 18,400 20,110 68 46,284 48,199 57,046 66,120
37 15,743 16,370 18,810 20,554 69 48,074 50,080 59,348 68,833
38 16,131 16,769 19,266 21,056 70 49,921 52,018 61,731 71,660
39 16,564 17,214 19,779 21,626 71 51,870 54,070 64,262 74,659
40 17,157 17,830 20,839 22,800 72 53,626 55,917 66,542 77,360
41 17,795 18,491 21,888 23,951 73 55,484 57,866 68,936 80,188
42 18,685 19,426 22,994 25,171 74 57,422 59,907 71,455 83,174
43 19,619 20,395 24,145 26,437 75 59,462 62,039 74,100 86,298
44 20,611 21,421 25,365 27,782 76 60,979 63,635 76,049 88,612
45 21,637 22,492 26,186 29,047 77 62,540 65,276 78,079 91,006
46 22,526 23,381 27,052 29,914 78 64,034 66,850 80,039 93,343
47 23,347 24,088 28,033 30,860 79 65,584 68,480 82,080 95,771
48 24,065 24,829 28,922 31,863 80+ 67,192 70,178 84,189 98,291
49 25,593 26,391 30,814 33,972

19
FLOATER-2 ADULTS
PLUS PLUS
Age 4,50,000 5,50,000 7,50,000 10,00,000 Age 4,50,000 5,50,000 7,50,000 10,00,000
18 8,003 8,322 9,519 10,385 50 19,528 20,338 23,883 26,425
19 8,060 8,379 9,599 10,465 51 20,531 21,386 25,183 27,896
20 8,162 8,482 9,713 10,602 52 21,592 22,515 26,573 29,480
21 9,371 9,690 11,161 12,198 53 22,732 23,712 28,055 31,168
22 9,508 9,827 11,320 12,380 54 23,951 25,000 29,640 32,969
23 9,644 9,975 11,491 12,574 55 25,251 26,368 31,339 34,884
24 9,793 10,123 11,662 12,757 56 26,642 27,827 33,140 36,936
25 9,998 10,328 11,902 13,007 57 28,112 29,378 35,066 39,136
26 10,146 10,477 12,073 13,201 58 29,697 31,042 37,130 41,473
27 10,283 10,636 12,244 13,395 59 31,384 32,821 39,319 43,981
28 10,431 10,784 12,426 13,589 60 33,174 34,713 41,667 46,649
29 10,579 10,933 12,608 13,783 61 35,169 36,799 44,266 49,613
30 10,784 11,138 12,836 14,033 62 37,289 39,045 47,048 52,771
31 10,990 11,354 13,064 14,284 63 39,569 41,439 50,023 56,168
32 11,195 11,560 13,304 14,535 64 42,055 44,061 53,284 59,873
33 11,400 11,765 13,532 14,786 65 41,439 43,400 52,429 58,892
34 11,605 11,970 13,771 15,037 66 44,050 46,147 55,849 62,791
35 11,810 12,187 14,011 15,299 67 46,649 48,883 59,246 66,656
36 12,050 12,426 14,284 15,595 68 47,948 50,257 60,939 68,577
37 12,323 12,711 14,615 15,960 69 49,248 51,631 62,632 70,498
38 12,631 13,042 14,991 16,370 70 51,961 54,481 66,188 74,556
39 13,019 13,429 15,458 16,895 71 54,845 57,513 69,973 78,865
40 13,589 14,033 16,177 17,704 72 57,627 60,443 73,610 83,026
41 14,125 14,592 16,849 18,445 73 60,557 63,544 77,463 87,415
42 14,706 15,196 17,590 19,277 74 63,658 66,804 81,533 92,055
43 15,470 15,994 18,548 20,360 75 66,690 69,996 85,500 96,581
44 15,926 16,496 19,152 21,044 76 69,369 72,812 89,011 100,582
45 16,439 17,032 19,813 21,797 77 72,173 75,764 92,682 104,766
46 16,986 17,613 20,531 22,606 78 75,035 78,774 96,444 109,075
47 17,579 18,251 21,307 23,484 79 77,577 81,453 99,796 112,906
48 18,217 18,935 22,150 24,442 80+ 80,210 84,235 103,261 116,861
49 18,593 19,357 22,675 25,046

20
 FLOATER-2 ADULTS+1 KID
PLUS PLUS
Age 4,50,000 5,50,000 7,50,000 10,00,000 Age 4,50,000 5,50,000 7,50,000 10,00,000
18 10,648 11,092 12,836 14,079 50 22,823 23,541 27,565 30,449
19 10,705 11,149 12,905 14,159 51 23,803 24,567 28,819 31,863
20 10,796 11,240 13,007 14,273 52 24,863 25,650 30,153 33,368
21 11,981 12,426 14,421 15,846 53 25,981 26,813 31,567 34,975
22 12,095 12,540 14,558 15,994 54 27,166 28,044 33,083 36,685
23 12,221 12,665 14,706 16,142 55 28,432 29,344 34,690 38,509
24 12,346 12,779 14,831 16,291 56 29,777 30,734 36,400 40,459
25 12,574 13,007 15,071 16,541 57 31,213 32,216 38,224 42,522
26 12,722 13,133 15,230 16,712 58 32,729 33,801 40,174 44,734
27 12,871 13,270 15,379 16,883 59 34,360 35,477 42,248 47,082
28 13,007 13,406 15,538 17,054 60 36,092 37,267 44,449 49,590
29 13,156 13,555 15,709 17,248 61 37,996 39,250 46,900 52,360
30 13,384 13,783 15,971 17,522 62 40,037 41,359 49,499 55,324
31 13,646 14,045 16,256 17,830 63 42,203 43,605 52,292 58,493
32 13,874 14,273 16,507 18,103 64 44,688 46,170 55,472 62,107
33 14,102 14,512 16,769 18,377 65 44,255 45,668 54,800 61,332
34 14,341 14,752 17,032 18,650 66 46,865 48,370 58,140 65,140
35 14,592 15,002 17,328 18,970 67 49,567 51,152 61,594 69,073
36 14,888 15,299 17,659 19,334 68 49,624 51,266 61,720 69,175
37 15,208 15,629 18,035 19,745 69 52,497 54,241 65,390 73,359
38 15,561 15,994 18,457 20,212 70 55,358 57,205 69,073 77,554
39 15,983 16,439 18,970 20,771 71 58,402 60,352 72,994 82,023
40 16,598 17,066 19,722 21,614 72 61,389 63,441 76,825 86,389
41 17,168 17,647 20,417 22,390 73 64,558 66,713 80,894 91,018
42 17,784 18,297 21,181 23,245 74 67,910 70,178 85,204 95,942
43 18,571 19,106 22,162 24,339 75 71,227 73,610 89,467 100,799
44 19,072 19,619 22,789 25,046 76 74,066 76,528 93,092 104,926
45 19,608 20,178 23,461 25,798 77 77,041 79,595 96,889 109,258
46 20,178 20,782 24,191 26,630 78 80,062 82,707 100,787 113,704
47 20,805 21,432 24,977 27,520 79 82,616 85,340 104,082 117,477
48 21,466 22,127 25,832 28,477 80+ 85,261 88,076 107,502 121,376
49 21,877 22,572 26,368 29,093

21
FLOATER-2 ADULTS+2 KIDS
PLUS PLUS
Age 4,50,000 5,50,000 7,50,000 10,00,000 Age 4,50,000 5,50,000 7,50,000 10,00,000
18 12,745 13,281 15,413 16,929 50 27,143 27,987 32,729 36,127
19 12,802 13,338 15,481 17,009 51 28,169 29,036 34,018 37,563
20 12,882 13,418 15,572 17,123 52 29,252 30,153 35,374 39,102
21 14,068 14,615 16,997 18,696 53 30,392 31,350 36,833 40,744
22 14,182 14,729 17,123 18,833 54 31,624 32,604 38,372 42,488
23 14,307 14,854 17,271 18,992 55 32,923 33,949 40,014 44,346
24 14,432 14,968 17,396 19,129 56 34,303 35,374 41,758 46,318
25 14,729 15,253 17,716 19,471 57 35,762 36,890 43,616 48,427
26 14,866 15,379 17,864 19,631 58 37,324 38,509 45,600 50,662
27 15,014 15,515 18,012 19,802 59 38,988 40,219 47,709 53,056
28 15,162 15,652 18,183 19,973 60 40,755 42,055 49,955 55,598
29 15,310 15,800 18,354 20,167 61 42,704 44,061 52,429 58,402
30 15,561 16,063 18,639 20,474 62 44,779 46,216 55,073 61,412
31 15,869 16,370 18,981 20,851 63 46,991 48,507 57,901 64,615
32 16,131 16,633 19,277 21,147 64 49,499 51,106 61,115 68,263
33 16,393 16,895 19,562 21,455 65 49,123 50,639 60,500 67,534
34 16,655 17,168 19,847 21,763 66 51,767 53,375 63,874 71,375
35 16,963 17,476 20,201 22,139 67 54,503 56,202 67,363 75,331
36 17,305 17,830 20,600 22,572 68 54,606 56,362 67,522 75,491
37 17,681 18,217 21,033 23,051 69 57,513 59,360 71,227 79,709
38 18,092 18,639 21,523 23,575 70 60,397 62,347 74,932 83,915
39 18,571 19,129 22,093 24,202 71 63,464 65,527 78,877 88,407
40 19,243 19,813 22,903 25,114 72 66,473 68,639 82,730 92,796
41 19,859 20,452 23,666 25,958 73 69,665 71,934 86,822 97,447
42 20,531 21,147 24,499 26,881 74 73,051 75,422 91,154 102,383
43 21,375 22,013 25,536 28,044 75 76,391 78,877 95,441 107,263
44 21,934 22,595 26,220 28,808 76 79,253 81,829 99,089 111,424
45 22,515 23,210 26,961 29,640 77 82,240 84,907 102,908 115,767
46 23,153 23,860 27,748 30,529 78 85,261 88,019 106,795 120,202
47 23,826 24,578 28,603 31,487 79 87,814 90,653 110,090 123,964
48 24,556 25,331 29,515 32,513 80+ 90,448 93,377 113,498 127,862
49 26,117 26,927 31,441 34,667

22
 FLOATER-2 ADULTS+3 KIDS
PLUS PLUS
Age 4,50,000 5,50,000 7,50,000 10,00,000 Age 4,50,000 5,50,000 7,50,000 10,00,000
18 15,436 16,154 18,833 20,759 50 30,985 32,228 37,711 41,621
19 15,493 16,211 18,901 20,839 51 32,034 33,334 39,045 43,126
20 15,561 16,279 18,992 20,942 52 33,151 34,496 40,459 44,711
21 16,758 17,476 20,417 22,515 53 34,325 35,739 41,963 46,409
22 16,872 17,590 20,543 22,663 54 35,591 37,050 43,571 48,211
23 16,997 17,716 20,691 22,823 55 36,913 38,452 45,269 50,137
24 17,123 17,841 20,839 22,982 56 38,327 39,934 47,071 52,178
25 17,465 18,206 21,238 23,404 57 39,832 41,507 48,997 54,344
26 17,613 18,354 21,409 23,598 58 41,428 43,183 51,049 56,658
27 17,750 18,502 21,580 23,780 59 43,126 44,962 53,227 59,120
28 17,898 18,650 21,763 23,974 60 44,927 46,854 55,541 61,742
29 18,046 18,799 21,934 24,168 61 46,911 48,940 58,094 64,638
30 18,331 19,095 22,253 24,499 62 49,031 51,163 60,830 67,727
31 18,696 19,460 22,663 24,943 63 51,277 53,523 63,737 71,022
32 18,981 19,756 22,982 25,285 64 53,831 56,213 67,032 74,773
33 19,277 20,041 23,302 25,616 65 53,489 55,837 66,519 74,146
34 19,562 20,338 23,621 25,958 66 56,179 58,653 69,985 78,090
35 19,927 20,714 24,031 26,402 67 58,949 61,571 73,576 82,160
36 20,326 21,124 24,499 26,904 68 59,086 61,708 73,701 82,274
37 20,759 21,557 25,000 27,451 69 62,027 64,798 77,509 86,594
38 21,227 22,036 25,547 28,044 70 64,946 67,864 81,305 90,904
39 21,751 22,595 26,186 28,739 71 68,035 71,125 85,340 95,486
40 22,469 23,336 27,064 29,720 72 71,068 74,305 89,285 99,978
41 23,153 24,031 27,884 30,632 73 74,282 77,691 93,469 104,743
42 23,883 24,795 28,785 31,635 74 77,691 81,271 97,915 109,793
43 24,772 25,730 29,902 32,878 75 81,054 84,816 102,292 114,787
44 25,376 26,368 30,666 33,721 76 83,938 87,848 106,043 119,050
45 26,026 27,041 31,475 34,633 77 86,959 91,018 109,976 123,508
46 26,710 27,770 32,342 35,602 78 89,969 94,187 113,943 128,045
47 28,557 29,663 34,599 38,133 79 92,511 96,866 117,283 131,864
48 29,355 30,506 35,625 39,273 80+ 95,156 99,647 120,760 135,831
49 29,891 31,088 36,320 40,060

23
 Preferred &
Premier Plan
Zone 3 (Rest of India excluding
the locations mentioned under
Zone 1 & Zone 2)

Note - All Premiums are with Service Tax

 INDIVIDUAL
Preferred Premier
Age 15,00,000 30,00,000 50,00,000 1,00,00,000
Male Female Male Female Male Female Male Female
<1 18,856 17,693 21,934 19,939 23,792 21,295 27,474 23,986
1 18,924 17,750 22,048 20,053 23,940 21,432 27,679 24,179
2 18,992 17,818 22,173 20,155 24,077 21,569 27,884 24,362
3 19,061 17,887 22,287 20,269 24,225 21,706 28,090 24,556
4 19,129 17,944 22,401 20,383 24,373 21,854 28,295 24,761
5 19,198 18,012 22,526 20,497 24,521 21,991 28,500 24,955
6 19,266 18,080 22,640 20,611 24,681 22,139 28,717 25,160
7 19,334 18,149 22,766 20,725 24,829 22,287 28,933 25,365
8 19,414 18,217 22,891 20,851 24,989 22,435 29,138 25,570
9 19,483 18,286 23,017 20,965 25,137 22,583 29,355 25,775
10 19,562 18,354 23,142 21,090 25,297 22,732 29,583 25,992
11 19,631 18,434 23,267 21,215 25,456 22,880 29,800 26,197
12 19,711 18,502 23,393 21,329 25,616 23,039 30,016 26,414
13 19,779 18,582 23,518 21,455 25,775 23,199 30,244 26,642
14 19,859 18,650 23,655 21,592 25,935 23,359 30,472 26,858
15 20,018 18,810 23,860 21,797 26,186 23,598 30,780 27,166
16 20,178 18,970 24,077 22,013 26,425 23,849 31,099 27,485
17 20,338 19,129 24,305 22,230 26,676 24,100 31,418 27,793
18 20,509 23,153 24,521 26,311 26,938 28,204 31,738 31,977
19 20,668 23,404 24,738 26,619 27,189 28,546 32,057 32,376
20 21,044 23,872 25,194 27,143 27,691 29,127 32,650 33,037
21 21,443 24,339 25,661 27,702 28,204 29,720 33,265 33,721
22 21,842 24,829 26,140 28,261 28,739 30,324 33,881 34,417
23 22,253 25,319 26,630 28,819 29,275 30,928 34,519 35,123
24 22,663 25,810 27,132 29,401 29,811 31,555 35,158 35,842
25 23,131 26,368 27,679 30,028 30,415 32,228 35,853 36,617
26 23,552 26,870 28,192 30,620 30,974 32,878 36,514 37,346

25
INDIVIDUAL
Preferred Premier
Age 15,00,000 30,00,000 50,00,000 1,00,00,000
Male Female Male Female Male Female Male Female
27 23,986 27,383 28,705 31,202 31,544 33,505 37,187 38,076
28 24,430 27,896 29,230 31,795 32,125 34,143 37,871 38,806
29 24,875 28,420 29,765 32,399 32,707 34,793 38,566 39,558
30 25,376 29,002 30,358 33,060 33,345 35,500 39,307 40,356
31 25,878 29,583 30,951 33,721 34,006 36,218 40,071 41,165
32 26,391 30,164 31,555 34,394 34,656 36,936 40,835 41,986
33 26,915 30,769 32,171 35,078 35,329 37,666 41,621 42,818
34 27,440 31,373 32,798 35,762 36,013 38,407 42,408 43,662
35 27,976 31,977 33,425 36,457 36,697 39,159 43,206 44,517
36 28,591 32,661 34,189 37,278 37,552 40,048 44,255 45,577
37 29,298 33,413 35,112 38,213 38,600 41,097 45,554 46,843
38 30,107 34,257 36,195 39,296 39,854 42,317 47,139 48,347
39 31,019 35,180 37,460 40,527 41,325 43,730 49,031 50,126
40 32,342 36,480 39,421 42,385 43,673 45,931 52,155 52,999
41 33,505 36,765 41,097 43,115 45,657 46,934 54,754 54,538
42 34,713 37,107 42,864 43,936 47,766 48,040 57,524 56,213
43 35,990 37,495 44,745 44,848 49,989 49,259 60,477 58,060
44 37,335 37,951 46,729 45,851 52,360 50,605 63,612 60,067
45 38,749 38,464 48,826 46,968 54,880 52,075 66,952 62,267
46 39,843 38,464 50,548 46,968 56,977 52,075 69,814 62,860
47 40,983 38,543 52,360 48,188 59,189 53,979 72,835 65,539
48 42,180 39,615 54,264 49,886 61,526 56,054 76,015 68,366
49 43,423 40,744 56,270 51,676 63,988 58,243 79,378 71,353
50 44,734 41,918 58,379 53,557 66,576 60,557 82,935 74,510
51 46,113 43,149 60,602 55,552 69,312 62,996 86,697 77,862
52 47,549 44,449 62,951 57,650 72,196 65,573 90,664 81,396
53 49,066 45,817 65,425 59,861 75,240 68,297 94,848 85,135

26
 INDIVIDUAL
Preferred Premier
Age 15,00,000 30,00,000 50,00,000 1,00,00,000
Male Female Male Female Male Female Male Female
54 50,662 47,242 68,024 62,198 78,455 71,170 99,283 89,102
55 52,326 48,758 70,771 64,661 81,841 74,214 103,957 93,298
56 54,686 50,901 73,667 67,271 85,420 77,429 108,904 97,732
57 57,194 53,181 76,722 70,019 89,194 80,826 114,137 102,429
58 59,861 55,609 79,937 72,926 93,184 84,428 119,654 107,411
59 62,689 58,186 83,334 75,992 97,390 88,225 125,491 112,666
60 65,710 60,933 86,914 79,230 101,836 92,237 131,659 118,241
61 69,073 63,988 90,972 82,867 106,875 96,752 138,647 124,511
62 72,675 67,249 95,258 86,720 112,199 101,540 146,057 131,168
63 76,528 70,737 99,796 90,801 117,842 106,624 153,923 138,236
64 80,644 74,476 104,606 95,133 123,827 112,005 162,245 145,726
65 76,540 70,931 97,025 88,544 114,422 103,843 149,203 134,406
66 80,165 74,191 101,221 92,306 119,746 108,608 156,773 141,212
67 83,562 77,258 104,960 95,657 124,488 112,894 163,533 147,322
68 87,187 80,541 108,904 99,214 129,493 117,397 170,647 153,752
69 91,052 84,041 113,054 102,965 134,748 122,162 178,125 160,535
70 95,167 87,769 117,409 106,909 140,266 127,167 185,980 167,671
71 99,545 91,759 121,991 111,070 146,080 132,445 194,233 175,184
72 103,535 95,395 125,856 114,604 150,982 136,948 201,221 181,602
73 107,741 99,248 129,869 118,286 156,089 141,622 208,483 188,282
74 112,187 103,318 134,053 122,128 161,378 146,501 216,030 195,225
75 116,873 107,627 138,385 126,118 166,885 151,563 223,862 202,441
76 120,110 110,637 140,630 128,250 169,769 154,310 228,011 206,408
77 123,451 113,761 142,899 130,405 172,676 157,081 232,218 210,421
78 126,871 116,953 145,156 132,559 175,594 159,862 236,436 214,445
79 130,416 120,259 147,448 134,748 178,535 162,678 240,700 218,527
80+ 134,075 123,690 149,750 136,948 181,499 165,528 244,986 222,653

27
FLOATER-1 ADULT+1 KID
Preferred Premier Preferred Premier
Age 15,00,000 30,00,000 50,00,000 1,00,00,000 Female 30,00,000 50,00,000 1,00,00,000
Age 15,00,000
18 26,505 32,672 36,377 43,753 50 54,059 68,947 77,896 96,478
19 27,428 33,972 37,905 45,737 51 55,837 71,603 81,065 100,708
20 28,238 34,588 38,418 46,307 52 57,707 74,385 84,406 105,165
21 28,614 35,021 38,885 46,843 53 59,542 77,155 87,723 109,600
22 29,002 35,465 39,353 47,390 54 61,480 80,085 91,257 114,319
23 29,389 35,910 39,832 47,948 55 63,509 83,186 94,996 119,347
24 29,788 36,366 40,322 48,507 56 65,664 86,480 98,975 124,682
25 30,335 37,004 41,017 49,328 57 67,933 89,969 103,204 130,382
26 30,746 37,472 41,519 49,909 58 70,327 93,674 107,684 136,435
27 31,156 37,951 42,043 50,513 59 72,857 97,607 112,461 142,899
28 31,589 38,441 42,568 51,118 60 75,536 101,779 117,545 149,773
29 32,011 38,931 43,092 51,733 61 78,523 106,476 123,257 157,548
30 32,547 39,524 43,730 52,451 62 81,681 111,481 129,367 165,870
31 33,128 40,219 44,483 53,329 63 85,044 116,816 135,899 174,762
32 33,676 40,823 45,133 54,059 64 88,612 122,516 142,865 184,292
33 34,223 41,439 45,782 54,800 65 85,078 116,383 135,170 173,474
34 34,770 42,055 46,444 55,552 66 88,099 121,490 141,531 182,332
35 35,386 42,773 47,230 56,464 67 90,926 126,255 147,459 190,597
36 36,070 43,605 48,154 57,581 68 93,925 131,317 153,763 199,386
37 36,822 44,563 49,225 58,892 69 97,117 136,709 160,466 208,723
38 37,654 45,657 50,468 60,454 70 100,491 142,432 167,591 218,652
39 38,578 46,888 51,893 62,255 71 104,093 148,508 175,172 229,220
40 39,832 48,689 54,025 65,048 72 107,331 153,991 181,990 238,727
41 40,789 50,092 55,689 67,192 73 110,740 159,760 189,172 248,737
42 41,792 51,562 57,445 69,460 74 114,319 165,824 196,741 259,282
43 42,841 53,124 59,303 71,866 75 118,104 172,220 204,698 270,385
44 43,947 54,766 61,264 74,419 76 120,840 176,837 210,444 278,388
45 45,098 56,487 63,338 77,121 77 123,667 181,613 216,395 286,676
46 46,102 58,106 65,311 79,686 78 126,506 186,470 222,460 295,157
47 47,515 60,181 67,784 82,946 79 129,436 191,497 228,741 303,958
48 49,009 62,369 70,384 86,378 80+ 132,479 196,707 235,250 313,055
49 52,383 66,473 74,955 92,557

28
 FLOATER-1 ADULT+2 KIDS
Preferred Premier Preferred Premier
Age 15,00,000 30,00,000 50,00,000 1,00,00,000 Female 30,00,000 50,00,000 1,00,00,000
Age 15,00,000
18 33,527 42,260 47,481 57,809 50 64,262 81,852 92,431 115,072
19 34,542 43,502 48,883 59,599 51 65,926 84,280 95,315 118,879
20 35,522 44,745 50,285 61,389 52 67,659 86,845 98,371 122,926
21 36,491 45,976 51,688 63,179 53 69,483 89,547 101,608 127,213
22 37,449 47,219 53,090 64,969 54 71,387 92,397 105,028 131,773
23 38,407 48,450 54,503 66,758 55 73,405 95,418 108,642 136,595
24 39,364 49,693 55,906 68,548 56 75,514 98,610 112,484 141,725
25 40,322 50,924 57,308 70,338 57 77,737 101,984 116,554 147,174
26 41,279 52,166 58,710 72,128 58 80,074 105,553 120,863 152,965
27 42,237 53,398 60,124 73,918 59 82,536 109,337 125,434 159,110
28 43,195 54,640 61,526 75,707 60 85,135 113,339 130,279 165,653
29 44,152 55,871 62,928 77,497 61 88,008 117,819 135,728 173,029
30 45,110 57,114 64,330 79,287 62 91,063 122,596 141,531 180,895
31 46,067 58,345 65,744 81,077 63 94,289 127,669 147,710 189,297
32 47,025 59,588 67,146 82,867 64 97,709 133,072 154,310 198,269
33 47,983 60,819 68,548 84,645 65 94,335 127,167 146,889 187,815
34 48,940 62,062 69,950 86,435 66 97,208 131,978 152,851 196,103
35 49,898 63,293 71,353 88,225 67 99,875 136,435 158,392 203,798
36 50,855 64,535 72,766 90,014 68 102,703 141,166 164,263 211,949
37 51,813 65,778 74,168 91,804 69 105,689 146,182 170,487 220,601
38 52,771 67,009 75,571 93,594 70 108,859 151,495 177,088 229,778
39 53,728 68,252 76,973 95,384 71 112,210 157,126 184,087 239,514
40 54,686 69,483 78,386 97,174 72 115,220 162,165 190,357 248,224
41 55,643 70,726 79,789 98,963 73 118,378 167,466 196,935 257,366
42 56,601 71,957 81,191 100,753 74 121,684 173,029 203,843 266,977
43 57,559 73,199 82,593 102,543 75 125,161 178,866 211,105 277,077
44 58,516 74,431 83,995 104,333 76 127,783 183,244 216,532 284,612
45 59,474 75,673 85,409 106,123 77 130,484 187,769 222,163 292,421
46 60,431 76,904 86,811 107,912 78 133,141 192,318 227,829 300,367
47 61,389 78,147 88,213 109,702 79 135,899 197,026 233,711 308,598
48 62,347 79,378 89,615 111,492 80+ 138,749 201,894 239,799 317,114
49 63,304 80,621 91,029 113,282

29
FLOATER-1 ADULT+3 KIDS
Preferred Premier Preferred Premier
Age 15,00,000 30,00,000 50,00,000 1,00,00,000 Female 30,00,000 50,00,000 1,00,00,000
Age 15,00,000
18 39,501 50,377 56,932 69,916 50 72,037 95,293 109,280 137,233
19 40,516 51,779 58,562 72,025 51 74,305 98,758 113,453 142,819
20 41,542 53,192 60,203 74,123 52 76,699 102,418 117,865 148,759
21 42,556 54,583 61,834 76,232 53 79,219 106,294 122,561 155,063
22 43,571 55,997 63,464 78,329 54 81,875 110,386 127,532 160,934
23 44,585 57,399 65,105 80,438 55 84,679 114,741 131,636 166,406
24 45,600 58,801 66,747 82,536 56 87,632 118,993 135,979 172,220
25 46,626 60,203 68,389 84,634 57 90,767 122,812 140,585 178,399
26 47,641 61,617 70,019 86,754 58 94,061 126,859 145,475 184,976
27 48,655 63,008 71,660 88,852 59 97,538 131,385 150,959 192,386
28 49,670 64,421 73,291 90,949 60 101,232 136,207 156,807 200,298
29 50,684 65,824 74,932 93,047 61 105,188 141,337 163,043 208,745
30 51,699 67,226 76,562 95,167 62 108,665 146,798 169,700 217,774
31 52,725 68,628 78,193 97,265 63 105,427 141,086 162,507 207,628
32 53,740 70,042 79,834 99,362 64 108,357 145,966 168,549 215,996
33 54,754 71,432 81,464 101,471 65 111,093 150,503 174,169 223,782
34 55,769 72,846 83,106 103,580 66 113,989 155,325 180,143 232,058
35 56,783 74,248 84,736 105,678 67 117,067 160,432 186,470 240,836
36 57,809 75,650 86,378 107,787 68 120,316 165,847 193,196 250,162
37 58,824 77,053 88,008 109,885 69 123,758 171,604 200,332 260,068
38 59,839 78,455 89,661 111,994 70 126,871 176,780 206,750 268,960
39 60,853 79,857 91,291 114,091 71 130,131 182,218 213,499 278,320
40 61,868 81,271 92,921 116,200 72 133,551 187,929 220,590 288,158
41 62,882 82,661 94,563 118,298 73 137,153 193,937 228,034 298,509
42 63,908 84,075 96,193 120,395 74 139,821 198,360 233,518 306,101
43 64,923 85,477 97,835 122,516 75 142,568 202,943 239,183 313,956
44 65,938 86,868 99,465 124,613 76 145,236 207,480 244,861 321,890
45 66,952 88,282 101,107 126,711 77 147,983 212,188 250,743 330,110
46 67,967 89,684 102,737 128,809 78 150,833 217,067 256,831 338,626
47 68,993 91,086 104,367 130,929 79 190,015 289,081 348,532 467,446
48 70,007 92,488 106,009 133,027 80+ 194,951 297,517 359,089 482,220
49 71,022 93,902 107,639 135,124

30
 FLOATER-2 ADULTS
Preferred Premier Preferred Premier
Age 15,00,000 30,00,000 50,00,000 1,00,00,000 Female 30,00,000 50,00,000 1,00,00,000
Age 15,00,000
18 27,041 33,334 37,118 44,642 50 57,445 76,095 87,290 109,622
19 27,987 34,667 38,680 46,672 51 59,793 79,732 91,702 115,596
20 28,933 36,001 40,253 48,701 52 62,267 83,596 96,398 121,957
21 29,891 37,335 41,815 50,730 53 64,900 87,712 101,414 128,763
22 30,837 38,669 43,388 52,759 54 67,670 92,078 106,738 136,002
23 31,783 40,014 44,962 54,788 55 70,612 96,729 112,415 143,720
24 32,741 41,348 46,523 56,818 56 73,724 101,665 118,446 151,939
25 33,687 42,682 48,097 58,858 57 77,018 106,909 124,864 160,706
26 34,645 44,015 49,658 60,887 58 80,507 112,495 131,693 170,042
27 35,591 45,361 51,232 62,917 59 84,200 118,423 138,966 180,006
28 36,537 46,694 52,793 64,946 60 88,122 124,739 146,718 190,619
29 37,495 48,028 54,367 66,975 61 92,420 131,693 155,268 202,361
30 38,441 49,362 55,928 69,004 62 96,991 139,114 164,399 214,901
31 39,387 50,696 57,502 71,033 63 101,859 147,026 174,135 228,308
32 40,345 52,041 59,063 73,063 64 107,137 155,656 184,771 242,957
33 41,291 53,375 60,637 75,103 65 105,860 153,398 181,921 238,921
34 42,237 54,709 62,198 77,132 66 110,899 161,937 192,580 253,798
35 43,195 56,042 63,772 79,162 67 115,892 170,430 203,159 268,573
36 44,141 57,388 65,333 81,191 68 118,372 174,602 208,346 275,795
37 45,098 58,721 66,907 83,220 69 120,851 178,775 213,533 283,016
38 46,045 60,055 68,468 85,249 70 126,107 187,712 224,683 298,577
39 46,991 61,389 70,042 87,278 71 131,693 197,209 236,527 315,107
40 47,948 62,723 71,603 89,319 72 137,085 206,374 247,950 331,067
41 48,895 64,068 73,177 91,348 73 142,774 216,053 260,023 347,928
42 49,841 65,402 74,750 93,377 74 148,781 226,267 272,779 365,735
43 50,798 66,736 76,312 95,407 75 154,652 236,254 285,239 383,131
44 51,745 68,069 77,885 97,436 76 159,839 245,089 296,240 398,498
45 52,702 69,403 79,447 99,465 77 165,266 254,300 307,732 414,550
46 53,648 70,748 81,020 101,494 78 170,818 263,830 319,645 431,205
47 54,595 72,082 82,582 103,535 79 175,765 272,289 330,212 446,014
48 55,552 73,416 84,155 105,564 80 180,884 281,056 341,168 461,347
49 56,498 74,750 85,717 107,593

31
FLOATER-2 ADULTS+1 KID
Preferred Premier Preferred Premier
Age 15,00,000 30,00,000 50,00,000 1,00,00,000 Female 30,00,000 50,00,000 1,00,00,000
Age 15,00,000
18 34,211 43,297 48,769 59,611 50 67,180 88,304 100,993 127,053
19 35,249 44,699 50,399 61,720 51 69,460 91,781 105,199 132,719
20 36,275 46,113 52,030 63,829 52 71,854 95,475 109,668 138,738
21 37,301 47,515 53,660 65,938 53 74,385 99,385 114,410 145,145
22 38,338 48,917 55,290 68,047 54 77,041 103,535 119,438 151,951
23 39,364 50,331 56,920 70,156 55 79,857 107,924 124,784 159,190
24 40,402 51,733 58,562 72,265 56 82,832 112,586 130,462 166,896
25 41,428 53,147 60,192 74,362 57 85,967 117,534 136,492 175,093
26 42,454 54,549 61,822 76,471 58 89,285 122,778 142,899 183,825
27 43,491 55,951 63,452 78,580 59 92,796 128,353 149,716 193,116
28 44,517 57,365 65,083 80,689 60 96,512 134,281 156,955 203,000
29 45,543 58,767 66,713 82,798 61 100,571 140,790 164,935 213,921
30 46,580 60,169 68,354 84,907 62 104,880 147,721 173,440 225,572
31 47,606 61,583 69,985 87,016 63 109,451 155,097 182,503 237,998
32 48,644 62,985 71,615 89,125 64 114,616 163,476 192,820 252,179
33 49,670 64,399 73,245 91,223 65 113,612 161,652 190,494 248,862
34 50,696 65,801 74,875 93,332 66 118,514 169,951 200,822 263,260
35 51,733 67,203 76,505 95,441 67 123,587 178,524 211,516 278,160
36 52,759 68,617 78,147 97,550 68 126,358 183,158 217,267 286,151
37 53,785 70,019 79,777 99,659 69 129,128 187,792 223,018 294,143
38 54,823 71,421 81,407 101,768 70 134,577 197,015 234,498 310,160
39 55,849 72,835 83,038 103,877 71 140,380 206,853 246,764 327,248
40 56,886 74,237 84,668 105,986 72 146,057 216,463 258,734 343,949
41 57,912 75,650 86,298 108,083 73 152,065 226,666 271,434 361,665
42 58,938 77,053 87,940 110,192 74 158,449 237,485 284,920 380,486
43 59,975 78,455 89,570 112,301 75 164,764 248,189 298,258 399,091
44 61,001 79,868 91,200 114,410 76 170,134 257,275 309,590 414,892
45 62,039 81,271 92,830 116,519 77 175,754 266,806 321,446 431,433
46 63,065 82,673 94,460 118,628 78 181,488 276,632 333,735 448,624
47 64,091 84,086 96,091 120,737 79 186,356 284,966 344,143 463,205
48 65,128 85,489 97,732 122,846 80 191,406 293,607 354,939 478,310
49 66,154 86,902 99,362 124,944

32
 FLOATER-2 ADULTS+2 KIDS
Preferred Premier Preferred Premier
Age 15,00,000 30,00,000 50,00,000 1,00,00,000 Female 30,00,000 50,00,000 1,00,00,000
Age 15,00,000
18 40,310 51,403 58,094 71,341 50 73,507 97,242 111,515 140,038
19 41,348 52,839 59,759 73,496 51 75,821 100,776 115,767 145,738
20 42,385 54,275 61,435 75,639 52 78,261 104,504 120,270 151,791
21 43,423 55,700 63,099 77,782 53 80,837 108,460 125,058 158,232
22 44,460 57,137 64,763 79,925 54 83,551 112,643 130,131 165,072
23 45,497 58,573 66,439 82,080 55 86,412 117,078 135,512 172,357
24 46,535 59,998 68,104 84,223 56 89,422 121,786 141,235 180,097
25 47,572 61,435 69,779 86,366 57 92,614 126,779 147,311 188,339
26 48,610 62,871 71,444 88,521 58 95,977 132,080 153,763 197,106
27 49,647 64,296 73,120 90,664 59 99,533 137,701 160,615 206,443
28 50,684 65,732 74,784 92,807 60 103,295 143,663 167,911 216,372
29 51,722 67,169 76,460 94,951 61 107,411 150,218 175,936 227,339
30 52,759 68,594 78,124 97,105 62 111,766 157,195 184,486 239,035
31 53,797 70,030 79,789 99,248 63 116,394 164,627 193,595 251,518
32 54,834 71,467 81,464 101,392 64 121,592 173,052 203,957 265,734
33 55,871 72,892 83,129 103,546 65 120,658 171,285 201,689 262,485
34 56,909 74,328 84,805 105,689 66 125,605 179,630 212,063 276,917
35 57,946 75,764 86,469 107,833 67 130,724 188,237 222,779 291,840
36 58,984 77,189 88,145 109,987 68 133,540 192,917 228,570 299,860
37 60,021 78,626 89,809 112,130 69 136,355 197,596 234,361 307,880
38 61,058 80,051 91,485 114,274 70 141,850 206,853 245,875 323,920
39 62,096 81,487 93,149 116,417 71 147,687 216,725 258,164 341,031
40 63,133 82,924 94,814 118,571 72 153,410 226,358 270,157 357,732
41 64,171 84,349 96,490 120,715 73 159,463 236,584 282,880 375,470
42 65,208 85,785 98,154 122,858 74 165,881 247,437 296,389 394,292
43 66,245 87,221 99,830 125,012 75 172,231 258,164 309,749 412,908
44 67,283 88,646 101,494 127,156 76 177,635 267,296 321,104 428,720
45 68,320 90,083 103,170 129,299 77 183,301 276,849 332,994 445,284
46 69,358 91,519 104,834 131,442 78 189,023 286,653 345,260 462,441
47 70,395 92,944 106,499 133,597 79 193,891 294,975 355,646 476,987
48 71,432 94,381 108,175 135,740 80 198,930 303,593 366,419 492,058
49 72,470 95,817 109,839 137,883

33
FLOATER-2 ADULTS+3 KIDS
Preferred Premier Preferred Premier
Age 15,00,000 30,00,000 50,00,000 1,00,00,000 Female 30,00,000 50,00,000 1,00,00,000
Age 15,00,000
18 47,652 61,663 70,099 86,834 50 88,863 116,383 132,913 168,253
19 48,940 63,373 72,071 89,376 51 91,257 119,996 137,279 174,078
20 50,228 65,083 74,032 91,918 52 93,765 123,827 141,884 180,268
21 51,517 66,793 75,992 94,460 53 96,421 127,874 146,786 186,846
22 52,805 68,503 77,953 97,014 54 99,214 132,172 151,973 193,834
23 54,093 70,213 79,914 99,556 55 102,155 136,720 157,491 201,267
24 55,381 71,923 81,875 102,098 56 105,268 141,542 163,339 209,179
25 56,669 73,633 83,847 104,641 57 108,539 146,650 169,552 217,592
26 57,958 75,343 85,808 107,183 58 112,005 152,076 176,153 226,541
27 59,246 77,053 87,769 109,725 59 115,664 157,833 183,164 236,071
28 60,534 78,763 89,729 112,279 60 119,529 163,932 190,608 246,217
29 61,822 80,473 91,690 114,821 61 123,747 170,647 198,816 257,401
30 63,110 82,183 93,662 117,363 62 128,216 177,783 207,548 269,325
31 64,399 83,893 95,623 119,905 63 132,958 185,375 216,851 282,059
32 65,687 85,603 97,584 122,447 64 138,282 193,971 227,407 296,537
33 66,975 87,313 99,545 124,990 65 137,484 192,409 225,389 293,596
34 68,263 89,023 101,506 127,543 66 142,568 200,936 235,991 308,336
35 69,540 90,733 103,478 130,085 67 147,824 209,760 246,947 323,566
36 70,828 92,443 105,439 132,628 68 150,685 214,468 252,767 331,609
37 72,116 94,153 107,399 135,170 69 153,547 219,176 258,586 339,652
38 73,405 95,863 109,360 137,712 70 159,167 228,627 270,328 355,976
39 74,693 97,573 111,321 140,266 71 165,152 238,693 282,845 373,396
40 75,981 99,283 113,293 142,808 72 171,011 248,543 295,100 390,439
41 77,269 100,993 115,254 145,350 73 177,224 258,997 308,096 408,530
42 78,557 102,703 117,215 147,892 74 183,802 270,089 321,890 427,728
43 79,846 104,413 119,176 150,434 75 190,300 281,033 335,502 446,698
44 81,134 106,123 121,136 152,977 76 195,875 290,392 347,141 462,874
45 82,422 107,833 123,109 155,530 77 201,689 300,185 359,317 479,815
46 83,710 109,543 125,069 158,072 78 207,548 310,205 371,834 497,336
47 84,998 111,253 127,030 160,615 79 212,496 318,664 382,402 512,122
48 86,287 112,963 128,991 163,157 80 217,615 327,442 393,357 527,455
49 87,575 114,673 130,952 165,699

34
 Deductible Plans
Zone 3 (Rest of India excluding
the locations mentioned under
Zone 1 & Zone 2)

Note - All Premiums are with Service Tax

DEDUCTIBLE PLANS (PROTECT PLAN)

Individual Floater-1 Adult+1 Kid

SI 3,50,000 4,50,000 4,50,000 SI 3,50,000 4,50,000 4,50,000
Deductible 1,00,000 1,00,000 2,00,000 Deductible 1,00,000 1,00,000 2,00,000
0-35 976 1,051 986 0-35 1,828 1,975 1,847
36-45 1,764 1,983 1,791 36-45 2,946 3,331 2,995
46-50 3,016 3,525 3,080 46-50 4,776 5,596 4,878
51-55 4,822 5,768 4,941 51-55 7,879 9,460 8,077
56-60 6,624 8,005 6,797 56-60 11,321 13,747 11,624
61-64 10,553 12,904 10,847 61-64 17,087 20,942 17,569
65-74 13,343 16,370 13,721 65-74 24,453 30,129 25,163
75+ 21,866 27,001 22,508 75+ 36,782 45,516 37,874

Floater-1 Adult+2 Kids Floater-1 Adult+3 Kids

SI 3,50,000 4,50,000 4,50,000 SI 3,50,000 4,50,000 4,50,000
Deductible 1,00,000 1,00,000 2,00,000 Deductible 1,00,000 1,00,000 2,00,000
0-35 2,629 2,847 2,656 0-35 3,440 3,732 3,477
36-45 3,729 4,181 3,786 36-45 4,541 5,066 4,606
46-50 5,547 6,431 5,658 46-50 6,359 7,316 6,478
51-55 8,623 10,261 8,827 51-55 9,434 11,146 9,648
56-60 12,030 14,505 12,339 56-60 12,841 15,390 13,160
61-64 17,738 21,626 18,224 61-64 18,549 22,511 19,044
65-74 25,029 30,719 25,740 65-74 25,840 31,604 26,560
75+ 37,231 45,948 38,321 75+ 38,042 46,833 39,141

36
 DEDUCTIBLE PLANS (PROTECT PLAN)

Floater-2 Adults Floater-2 Adults+1 Kid

SI 3,50,000 4,50,000 4,50,000 SI 3,50,000 4,50,000 4,50,000
Deductible 1,00,000 1,00,000 2,00,000 Deductible 1,00,000 1,00,000 2,00,000
0-35 1,828 1,975 1,847 0-35 2,629 2,847 2,656
36-45 2,946 3,331 2,995 36-45 3,729 4,181 3,786
46-50 4,776 5,596 4,878 46-50 5,547 6,431 5,658
51-55 7,879 9,460 8,077 51-55 8,623 10,261 8,827
56-60 11,321 13,747 11,624 56-60 12,030 14,505 12,339
61-64 17,087 20,942 17,569 61-64 17,738 21,626 18,224
65-74 24,453 30,129 25,163 65-74 25,029 30,719 25,740
75+ 36,782 45,516 37,874 75+ 37,231 45,948 38,321

Floater-2 Adults+2 Kids Floater-2 Adults+3 Kids

SI 3,50,000 4,50,000 4,50,000 SI 3,50,000 4,50,000 4,50,000
Deductible 1,00,000 1,00,000 2,00,000 Deductible 1,00,000 1,00,000 2,00,000
0-35 2,953 3,216 2,961 0-35 4,252 4,617 4,297
36-45 4,025 4,550 4,090 36-45 5,352 5,951 5,427
46-50 5,843 6,800 5,962 46-50 7,167 8,198 7,296
51-55 8,918 10,630 9,132 51-55 10,239 12,023 10,462
56-60 12,325 14,873 12,643 56-60 13,646 16,267 13,974
61-64 18,033 21,995 18,528 61-64 19,354 23,388 19,858
65-74 25,324 31,088 26,044 65-74 26,645 32,481 27,374
75+ 37,526 46,317 38,625 75+ 38,847 47,711 39,955

37
DEDUCTIBLE PLANS (PLUS PLAN)

Individual
SI 4,50,000 5,50,000 7,50,000 4,50,000 5,50,000 7,50,000 10,00,000
Deductible 1,00,000 2,00,000 2,00,000 2,00,000 3,00,000 3,00,000 3,00,000
0-35 1,991 2,007 2,109 1,904 1,932 2,042 2,179
36-45 4,419 4,465 4,766 4,164 4,246 4,569 4,971
46-50 7,081 7,187 7,890 6,485 6,678 7,429 8,368
51-55 10,480 10,678 11,983 9,373 9,732 11,126 12,870
56-60 13,871 14,160 16,066 12,254 12,778 14,815 17,361
61-64 20,783 21,274 24,517 18,031 18,923 22,389 26,721
65-74 25,978 26,611 30,787 22,435 23,583 28,046 33,626
75+ 40,799 41,873 48,956 34,789 36,737 44,308 53,770

Floater-1 Adult+1 Kid

SI 4,50,000 5,50,000 7,50,000 4,50,000 5,50,000 7,50,000 10,00,000
Deductible 1,00,000 2,00,000 2,00,000 2,00,000 3,00,000 3,00,000 3,00,000
0-35 3,462 3,493 3,696 3,290 3,346 3,563 3,833
36-45 6,672 6,752 7,283 6,221 6,367 6,935 7,644
46-50 10,582 10,754 11,885 9,622 9,934 11,143 12,654
51-55 16,340 16,670 18,852 14,489 15,089 17,420 20,334
56-60 22,663 23,170 26,518 19,822 20,743 24,321 28,793
61-64 32,818 33,623 38,942 28,305 29,768 35,452 42,557
65-74 45,930 47,117 54,947 39,286 41,440 49,808 60,269
75+ 67,379 69,205 81,255 57,156 60,469 73,347 89,445

Floater-1 Adult+2 Kids

SI 4,50,000 5,50,000 7,50,000 4,50,000 5,50,000 7,50,000 10,00,000
Deductible 1,00,000 2,00,000 2,00,000 2,00,000 3,00,000 3,00,000 3,00,000
0-35 4,671 4,717 5,017 4,416 4,498 4,820 5,222
36-45 8,257 8,351 8,974 7,728 7,899 8,565 9,398
46-50 12,432 12,617 13,837 11,398 11,733 13,036 14,666
51-55 18,332 18,674 20,934 16,415 17,036 19,451 22,470
56-60 24,786 25,304 28,718 21,889 22,828 26,477 31,039
61-64 35,013 35,826 41,190 30,461 31,936 37,670 44,836
65-74 48,265 49,454 57,305 41,604 43,763 52,153 62,641
75+ 69,768 71,590 83,617 59,564 62,871 75,724 91,791

38
 DEDUCTIBLE PLANS (PLUS PLAN)

Floater-1 Adult+3 Kids

SI 4,50,000 5,50,000 7,50,000 4,50,000 5,50,000 7,50,000 10,00,000
Deductible 1,00,000 2,00,000 2,00,000 2,00,000 3,00,000 3,00,000 3,00,000
0-35 5,897 5,958 6,361 5,556 5,666 6,097 6,635
36-45 9,889 9,999 10,724 9,274 9,473 10,248 11,216
46-50 14,348 14,548 15,870 13,227 13,590 15,003 16,768
51-55 20,437 20,795 23,157 18,433 19,083 21,607 24,762
56-60 27,081 27,613 31,129 24,097 25,064 28,822 33,519
61-64 37,477 38,306 43,772 32,839 34,342 40,185 47,487
65-74 50,994 52,199 60,152 44,247 46,434 54,933 65,557
75+ 72,762 74,600 86,728 62,472 65,807 78,769 94,971

Floater-2 Adults
SI 4,50,000 5,50,000 7,50,000 4,50,000 5,50,000 7,50,000 10,00,000
Deductible 1,00,000 2,00,000 2,00,000 2,00,000 3,00,000 3,00,000 3,00,000
0-35 3,462 3,493 3,696 3,290 3,346 3,563 3,833
36-45 6,672 6,752 7,283 6,221 6,367 6,935 7,644
46-50 10,582 10,754 11,885 9,622 9,934 11,143 12,654
51-55 16,340 16,670 18,852 14,489 15,089 17,420 20,334
56-60 22,663 23,170 26,518 19,822 20,743 24,321 28,793
61-64 32,818 33,623 38,942 28,305 29,768 35,452 42,557
65-74 45,930 47,117 54,947 39,286 41,440 49,808 60,269
75+ 67,379 69,205 81,255 57,156 60,469 73,347 89,445

Floater-2 Adults+1 Kid

SI 4,50,000 5,50,000 7,50,000 4,50,000 5,50,000 7,50,000 10,00,000
Deductible 1,00,000 2,00,000 2,00,000 2,00,000 3,00,000 3,00,000 3,00,000
0-35 4,671 4,717 5,017 4,416 4,498 4,820 5,222
36-45 8,257 8,351 8,974 7,728 7,899 8,565 9,398
46-50 12,432 12,617 13,837 11,398 11,733 13,036 14,666
51-55 18,332 18,674 20,934 16,415 17,036 19,451 22,470
56-60 24,786 25,304 28,718 21,889 22,828 26,477 31,039
61-64 35,013 35,826 41,190 30,461 31,936 37,670 44,836
65-74 48,265 49,454 57,305 41,604 43,763 52,153 62,641
75+ 69,768 71,590 83,617 59,564 62,871 75,724 91,791

39
DEDUCTIBLE PLANS (PLUS PLAN)

Floater-2 Adults+2 Kids

SI 4,50,000 5,50,000 7,50,000 4,50,000 5,50,000 7,50,000 10,00,000
Deductible 1,00,000 2,00,000 2,00,000 2,00,000 3,00,000 3,00,000 3,00,000
0-35 5,897 5,958 6,361 5,556 5,666 6,097 6,635
36-45 9,889 9,999 10,724 9,274 9,473 10,248 11,216
46-50 14,348 14,548 15,870 13,227 13,590 15,003 16,768
51-55 20,437 20,795 23,157 18,433 19,083 21,607 24,762
56-60 27,081 27,613 31,129 24,097 25,064 28,822 33,519
61-64 37,477 38,306 43,772 32,839 34,342 40,185 47,487
65-74 50,994 52,199 60,152 44,247 46,434 54,933 65,557
75+ 72,762 74,600 86,728 62,472 65,807 78,769 94,971

Floater-2 Adults+3 Kids

SI 4,50,000 5,50,000 7,50,000 4,50,000 5,50,000 7,50,000 10,00,000
Deductible 1,00,000 2,00,000 2,00,000 2,00,000 3,00,000 3,00,000 3,00,000
0-35 7,124 7,200 7,705 6,696 6,834 7,374 8,048
36-45 11,521 11,646 12,473 10,819 11,047 11,930 13,035
46-50 16,260 16,475 17,898 15,053 15,444 16,964 18,864
51-55 22,532 22,905 25,366 20,443 21,120 23,751 27,039
56-60 29,364 29,912 33,528 26,296 27,291 31,155 35,986
61-64 39,931 40,775 46,341 35,209 36,739 42,688 50,124
65-74 53,713 54,933 62,985 46,881 49,096 57,701 68,458
75+ 75,746 77,599 89,827 65,371 68,734 81,802 98,138

40
 Premium for Reduction in Maternity Waiting Period (Optional)
Premium for Reduction in Maternity Waiting Period (without deductible plans)
Plan Plus Preferred Premier
All Ages 6,592 26,019 26,019

Premium for Reduction in Maternity Waiting Period (Plus Plan with Deductible)
SI 4,50,000 5,50,000 7,50,000 4,50,000 5,50,000 7,50,000 10,00,000
Deductible 1,00,000 2,00,000 2,00,000 2,00,000 3,00,000 3,00,000 3,00,000
All Ages 1,648 494 494 494 330 330 330

41
Critical Illness Add-on Premium Rates With Service Tax
Individual Floater
Annual Rate per 1000 Sum assured Annual Rate per 1000 Sum assured

Age Premium Age Premium Age 1A 2A Age 1A 2A

Rate Rate
18 1.83 50 15.11 18 1.83 3.42 50 15.11 27.85
19 1.83 51 15.93 19 1.83 3.42 51 16.19 29.89
20 1.83 52 17.37 20 1.83 3.42 52 17.90 32.83
21 1.87 53 19.66 21 1.87 3.48 53 19.66 35.68
22 1.92 54 21.58 22 1.92 3.55 54 21.58 38.77
23 1.96 55 23.66 23 1.96 3.60 55 23.66 42.27
24 2.03 56 25.84 24 2.03 3.76 56 25.84 45.92
25 2.10 57 28.15 25 2.10 3.94 57 28.15 49.76
26 2.19 58 30.65 26 2.19 4.14 58 30.65 53.96
27 2.29 59 33.39 27 2.29 4.34 59 33.39 58.58
28 2.37 60 36.33 28 2.37 4.54 60 36.33 63.52
29 2.47 61 39.45 29 2.47 4.78 61 39.45 68.73
30 2.54 62 42.75 30 2.54 4.98 62 42.75 74.26
31 2.63 63 46.24 31 2.63 5.20 63 46.24 80.11
32 2.77 64 49.90 32 2.77 5.51 64 49.90 86.25
33 2.92 65 53.54 33 2.92 5.80 65 53.54 92.42
34 3.08 66 57.39 34 3.08 6.11 66 57.39 98.95
35 3.30 67 61.70 35 3.30 6.56 67 61.70 106.21
36 3.59 68 66.22 36 3.59 7.09 68 66.22 113.75
37 3.93 69 71.02 37 3.93 7.71 69 71.02 121.81
38 4.29 70 76.24 38 4.29 8.38 70 76.24 130.71
39 4.75 71 80.30 39 4.75 9.22 71 80.30 138.08
40 5.27 72 84.60 40 5.27 10.18 72 84.60 145.92
41 5.87 73 89.13 41 5.87 11.26 73 89.13 154.23
42 6.54 74 93.59 42 6.54 12.46 74 93.59 161.95
43 7.27 75 98.27 43 7.27 13.79 75 98.27 170.05
44 8.09 76 103.18 44 8.09 15.26 76 103.18 178.55
45 9.00 77 108.34 45 9.00 16.91 77 108.34 187.47
46 10.05 78 113.75 46 10.05 18.76 78 113.75 196.84
47 11.26 79 119.45 47 11.26 20.90 79 119.45 206.69
48 12.62 80+ 125.42 48 12.62 23.31 80+ 125.42 217.03
49 14.09 49 14.09 25.90

42
Useful Information
Zone 3 (Rest of India excluding
the locations mentioned under
Zone 1 & Zone 2)
DISCOUNTS
Sr. Description Percentage
No.
1 Family 10.00%
2 Long term 7.50%

Family Discount of 10 % on covering more than 2 members of your

family in an individual policy.

Long term discount of 7.5% on opting for a 2 year term.

VOLUNTARY CO-PAY
Sr. Option Discount
No.
1 10% Co-Pay 7.50%

2 20% Co-Pay 15.00%

Voluntary Co-Pay will not be applicable on Deductible Plans and

Reduction in Maternity Waiting Period Premium.

UNDERWRITING LOADING
Additional loading may apply depending on the assessment of each case.

44
STEPS TO CALCULATE PREMIUM
ZONE WISE PREMIUM ...........................................................................46

I. Individual Policy (without Deductible) ............................................ 47

Base Plan Only
Base Plan With Optional Covers
Base Plan With Critical Illness Add-on Only
Base Plan With Optional Covers & Critical Illness Add-on

II Floater Policy (without Deductible) ............................................ 48

Base Plan Only
Base Plan With Optional Covers
Base Plan With Critical Illness Add-on Only
Base Plan With Optional Covers And Critical Illness Add-on

III. Individual Policy (with Deductible) ............................................ 50

Base Plan Only
Base Plan With Optional Cover
Base Plan With Critical Illness Add-on Cover
Base Plan With Optional Cover & Critical Illness Add-on

IV Floater Police (with Deductible) ............................................ 51

Base Plan Only
Base Plan With Optional Cover
Base Plan With Critical Illness Add-on
Base Plan With Optional Cover & Critical Illness Add-on Cover

45
ZONE WISE PREMIUM
Premium will be calculated based on the Sum Insured opted, Age, gender, risk classification and
Zone of Cover.

Default Zone of Cover will be based on Your City-Location based on your correspondence
address.

Zone Classification

Zone 1: Mumbai, Thane & Navi Mumbai and Delhi & NCR

Zone 2: Bangalore, Hyderabad, Chennai, Chandigarh, Ludhiana, Kolkata, Gujarat

Zone 3: Rest of India excluding the locations mentioned under Zone 1 & Zone 2

Multiple Zones

If there are multiple insured in single proposal residing in different cities, Highest Zone among all
the insured persons will be considered for the calculation of premium for all the persons.

Example:

Three (3) insured details submitted in one proposal, Mr. A (Father) resides in Cochin (Zone 3),
Mrs. B (mother) resides in Kolkata (Zone 2) and Mr. C (Son) resides in Delhi (Zone 1).

Zone 1 will be taken as the Zone under the Policy and considered for calculation of premium for
all members.

Age Completed Birthday

Example: Age Completed Birthday

Mr. Ashish Patro's Date of Birth is 10 Dec 1982.

Today's Date (assumed to be date on which proposal form is being filled): 31 Jan 2014

Age Completed Birthday in Years: 31 years

46
STEPS FOR PREMIUM CALCULATION (INDIVIDUAL POLICY)

SECTION I

(A) BASE PLAN ONLY

Step 1- Identify Premium Booklet (basis ZONE Classification).
Separate booklet for Zone 1, 2, 3.
Step 2- Select the Plan and Sum Insured option
Step 3- Check premium based on insured Gender (male/female) & age
(Age Completed Birthday).

(B) BASE PLAN + REDUCTION IN MATERNITY WAITING PERIOD

Step 1- Arrive at the base premium as per Steps in Section I (A)
Step 2- Select the Premium applicable to your Plan from Reduction in
Maternity Waiting Period table
Step 3- Total Premium = (Premium in Step 1 + Premium in Step 2)

(C) BASE PLAN + VOLUNTARY CO-PAY

Step 1- Arrive at the base premium as per Steps in Section I (A)
Step 2- Refer table for Co-pay discount & apply on Base Premium to arrive at final premium

(D) BASE PLAN + VOLUNTARY CO-PAY + REDUCTION IN MATERNITY

WAITING PERIOD
Step 1- Arrive at Premium as per Section I (C)
Step 2- Select the Premium applicable to your plan from Reduction in Maternity Waiting
Period Table
Step 3- Total Premium = (Premium in Step 1 + Premium in Step 2)

(E) BASE PLAN WITH CRITICAL ILLNESS ADD-ON COVER ONLY

*Critical Illness add-on cover can be opted by Insured between 18-65 years of age.
Step 1- Arrive at Premium as per Section I (A)
Step 2 - Identify the Premium Factor against the age of the Insured from Critical Illness
Add-on premium table
Step 3- CI Premium = Base Sum Insured X Premium Factor (as per Step 2)
1000
Step 4- Total Premium = (Premium in Step 1 + Premium in Step 3)

47
(F) BASE PLAN + REDUCTION IN MATERNITY WAITING PERIOD + CI ADD ON
Step 1- Arrive at the premium as per Section I (B)
Step 2 - Select the Premium Factor against the age of the Insured from Critical Illness
Add-on premium table
Step 3- CI Premium = Base Sum Insured X Premium Factor (as per Step 2)
1000
Step 4- Total Premium = (Premium in Step 1 + Premium in Step 3)

(G) BASE PLAN + VOLUNTARY CO-PAY + CRITICAL ILLNESS ADD ON

Step 1- Arrive at the Premium as per Section I (C)
Step 2- Select the Premium Factor against the age of the Insured from the Critical Illness
Add on premium table
Step 3- CI Premium = Base Sum Insured X Premium Factor (as per Step 2)
1000
Step 4- Total Premium = (Premium in Step 1 + Premium in Step 3)

(H) BASE PLAN + VOLUNTARY CO-PAY + REDUCTION IN MATERNITY WAITING

PERIOD + CI ADD ON
Step 1- Arrive at the Premium as per Section I (D)
Step 2- Select the Premium Factor against the age of the Insured from Critical Illness
Add on table
Step 3- CI Premium = Base Sum Insured X Premium Factor (as per Step 2)
1000
Step 4- Total Premium = (Premium in Step 1 + Premium in Step 3)

STEPS FOR PREMIUM CALCULATION (FLOATER POLICY)

SECTION II

(A) BASE PLAN ONLY

Step 1- Identify Premium Booklet (basis ZONE Classification). Separate booklet for Zone 1, 2, 3.
Step 2- Select the correct combination of insured
(1A + 1K, 1A + 2K, 1A + 3K, 2A, 2A + 1K, 2A + 2K, 2A + 3K)
A= Adult; K= Kid
Step 3- Calculate the age of the eldest member from the combination identified in Step 2 for
deriving premium (Age completed birthday)
Step 4- Select the Plan and Sum Insured option
Step 5- Value corresponding to the age identified in Step 3 and the Plan/Sum Insured in
Step 4 is the Premium
48
(B) BASE PLAN + REDUCTION IN MATERNITY WAITING PERIOD
Step 1- Arrive at the base premium as per Steps in Section II (A)
Step 2 - Select the Premium applicable to your Plan from Reduction in Maternity
Waiting Period table
Step 3 - Total Premium = (Premium in Step 1 + Premium in Step 2)

(C) BASE PLAN + VOLUNTARY CO-PAY

Step 1- Arrive at the base premium as per Steps in Section II (A)
Step 2- Refer table for Co-pay discount and apply on Base Premium to arrive at final premium

(D) BASE PLAN + VOLUNTARY CO-PAY + REDUCTION IN MATERNITY WAITING

PERIOD
Step 1- Arrive at Premium as per Section II (C.)
Step 2 - Select the Premium applicable to your Plan as per Reduction in Maternity
Waiting Period table
Step 3 - Total Premium = (Premium in Step 1 + Premium in Step 2)

(E) ) BASE PLAN WITH CRITICAL ILLNESS ADD-ON COVER ONLY

*Critical Illness add-on cover can be opted by Insured between 18-65 years of age.
Step 1- Arrive at Premium as per Section II (A)
Step 2 - Select the Premium Factor against age of the eldest member from the
Critical Illness Add-on premium table (Floater)
Step 3 - CI Premium = Base Sum Insured X Premium Factor (as per Step 2)
1000
Step 4 - Total Premium = (Premium in Step 1 + Premium in Step 3)

(F) BASE PLAN + REDUCTION IN MATERNITY WAITING PERIOD + CI ADD ON

Step 1- Arrive at premium as per Section II (B)
Step 2 - Select the Premium Factor against the age of the eldest member from the
Critical Illness Add-on premium table (Floater)
Step 3 - CI Premium = Base Sum Insured X Premium Factor (as per Step 2)
1000
Step 4 - Total Premium = (Premium in Step 1 + Premium in Step 3)

(G) BASE PLAN + VOLUNTARY CO-PAY + CRITICAL ILLNESS ADD ON

Step 1- Arrive at Premium as per Section II (C.)
Step 2- Select the Premium Factor against the age of the eldest member from the
Critical Illness Add-on premium table (Floater)

49
Step 3- CI Premium = Base Sum Insured X Premium Factor (as per Step 2)
1000
Step 4 - Total Premium = (Premium in Step 1 + Premium in Step 3)

(H) BASE PLAN + VOLUNTARY CO-PAY + REDUCTION IN MATERNITY WAITING

PERIOD + CI ADD ON
Step 1- Arrive at Premium as per Section II (D)
Step 2- Select the Premium Factor against the age of the eldest member from the
Critical Illness Add-on premium table (Floater)
Step 3- CI Premium = Base Sum Insured X Premium Factor (as per Step 2)
1000
Step 4- Total Premium = (Premium in Step 1 + Premium in Step 3)

STEPS FOR PREMIUM CALCULATION (INDIVIDUAL POLICY)

SECTION III

(A) BASE PLAN WITH DEDUCTIBLE ONLY

Step 1- Identify Premium Booklet (basis ZONE Classification). Separate booklet for Zone 1, 2, 3.
Step 2- Select the Plan, Sum Insured and Deductible option
(from Deductible section in Booklet)
Step 3- Identify the age band in which the insured belongs (Age Completed Birthday
to be taken)
Step 4- Select the Premium applicable to your Plan

(B) BASE PLAN WITH DEDUCTIBLE + REDUCTION IN MATERNITY WAITING PERIOD

(Applicable in PLUS Plan Only)
* Voluntary Co-pay cannot be opted under the same plan if Deductible is selected.
Step 1- Arrive at premium for Base Cover with Deductible as per Section III (A)
Step 2 - Select the Premium applicable for the Sum Insured and Deductible chosen from
Reduction in Maternity Waiting Period table
Step 3 - Total Premium = (Premium in Step 1 + Premium in Step 2)

(C) BASE PLAN WITH DEDUCTIBLE AND CRITICAL ILLNESS ADD-ON COVER
*Critical Illness add-on cover can be opted by Insured between 18-65 years of age.
Step 1- Arrive at premium for Base Cover with Deductible as per Section III (A)
Step 2 - Select the Premium Factor against the age of the Insured from Critical Illness
Add-on premium table (Individual)

50
Step 3 - CI Premium = Base Sum Insured X Premium Factor (as per Step 2)
1000
Step 4 - Total Premium = (Premium in Step 1 + Premium in Step 3)

(D) BASE PLAN WITH DEDUCTIBLE + REDUCTION IN MATERNITY WAITING PERIOD

(Applicable in PLUS Plan Only) + CI ADD ON
* Voluntary Co-pay cannot be opted under the same plan if Deductible is selected.
Step 1- Arrive at premium as per Section III (B)
Step 2- Select the Premium Factor against the age of the Insured from Critical Illness
Add-on premium table (Individual)
Step 3- CI Premium = Base Sum Insured X Premium Factor (as per Step 2)
1000
Step 4- Total Premium = (Premium in Step 1 + Premium in Step 3)

STEPS FOR PREMIUM CALCULATION (FLOATER POLICY)

SECTION IV

(A) BASE PLAN WITH DEDUCTIBLE ONLY

Step 1- Identify Premium Booklet (basis ZONE Classification). Separate booklet for
Zone 1, 2, 3.
Step 2- Select the correct combination of insured
(1A + 1 K, 1A + 2K, 1A + 3K, 2A, 2A + 1K, 2A + 2K, 2A + 3K)
A= Adult; K= Kid
Step 3- Calculate the age of the eldest member from the combination identified in Step 2 for
deriving premium (Age completed birthday)
Step 4- Select the Plan, Sum Insured and Deductible option
(Applicable for Protect/Plus Plan only) from Deductible section in Booklet
Step 5- Select the Age Band in which the eldest member falls
Step 6- Value corresponding to the age band identified in Step 5 and the Plan, Sum Insured
and Deductible in Step 4 is the Premium

(B) BASE PLAN WITH DEDUCTIBLE + REDUCTION IN MATERNITY WAITING PERIOD

(Applicable in PLUS Plan Only)
* Voluntary Co-pay cannot be opted under the same plan if Deductible is selected.
Step 1- Arrive at premium for Base Plan with Deductible as per Section IV (A)

51
Step 2 - Select the Premium applicable to your plan from Reduction in Maternity
Waiting Period table
Step 3 - Total Premium = (Premium in Step 1 + Premium in Step 2)

(C) BASE PLAN WITH DEDUCTIBLE AND CRITICAL ILLNESS ADD-ON COVER
*Critical Illness add-on cover can be opted by Insured between 18-65 years of age.
Step 1- Arrive at premium for Base Plan with Deductible as per Section IV (A)
Step 2 - Select the Premium Factor against the age of the eldest member from
Critical Illness Add-on premium table (Floater)
Step 3 - CI Premium = Base Sum Insured X Premium Factor (as per Step 2)
1000
Step 4 - Total Premium = (Premium in Step 1 + Premium in Step 3)

(D.) BASE PLAN WITH DEDUCTIBLE + REDUCTION IN MATERNITY WAITING PERIOD

(Applicable in PLUS Plan Only) + CI ADD ON
* Voluntary Co-pay cannot be opted under the same plan if Deductible is selected.
Step 1- Arrive at premium for Base Plan with Deductible + Reduction in Maternity Waiting
Period as per Section IV (B)
Step 2 - Select the Premium Factor against the age of the eldest member from Critical
Illness Add-on premium table (Floater)
Step 3 - CI Premium = Base Sum Insured X Premium Factor (as per Step 2)
1000
Step 4 - Total Premium = (Premium in Step 1 + Premium in Step 3)

52
 Your Health Relationship Manager Has The Answer
Be it claims assistance or guidance, contact your Health RM anytime.

1-800-10-24462

customercare@cignattk.in

www.cignattkinsurance.in
Corporate Office:
CignaTTK Health Insurance Company Limited,10th Floor, Commerz,
International Business Park, Oberoi Garden City, Goregaon (East),
Mumbai - 400 063.

IRDA Registration No. 151

CignaTTK ProHealth Insurance Policy UIN Number: IRDA/NL-HLT/CTTK/P-H/V-I/390/13-14

CignaTTK Critical Illness Add On Cover UIN Number: IRDA/NL-HLT/CTTK/P-H/V-l/390/Add-on(CI)13-14
Version Number: V1/June 2015